Is the housing market going to crash?

We have seen every market cycle since 2007. The Fort Mill and Charlotte metro market has shown consistent resilience and population-driven demand. We are happy to walk you through current conditions and what they mean for your specific situation.

Should I buy now or wait for interest rates to drop?

Timing the market is nearly impossible. We focus on your personal timeline, your equity position, and your goals. In most cases, waiting costs more than acting — but we will give you a straight answer based on your numbers, not a sales pitch.

What is it like to live in Fort Mill, South Carolina?

Fort Mill consistently ranks among the best places to live in the Carolinas. Strong schools, low taxes, easy access to Charlotte, and a genuine community feel. We live here — Mike's family of eight calls this area home — so we can give you a real answer, not a brochure.

How do I win in a multiple-offer situation?

Preparation, speed, and presentation. We coach our buyers on exactly how to structure a competitive offer — and our track record of over 2,200 closings means we know what sellers and their agents respond to.

What is the difference between Fort Mill and Rock Hill?

Both are in York County and offer tremendous value compared to Charlotte. Fort Mill tends to attract younger families drawn by the school system and newer developments. Rock Hill has a more established urban core, a strong university presence, and is undergoing significant revitalization. We work both markets daily and can help you find the right fit.

Do you work with active adult or 55+ communities?

Yes — this is one of our specialties. We have deep experience in Sun City Carolina Lakes, Four Seasons at Gold Hill, Carolina Orchards, and Brook Run. We know these communities from the inside and can help buyers and sellers navigate them confidently.

Do you work with veterans and VA loans?

Absolutely. Mike is a Marine Corps veteran and KW Military Ambassador. Supporting fellow veterans is personal for us. We understand VA transactions and are proud to serve those who served.

5 Brake Ct, Elgin, SC 29045

House Description

Kershaw County’s Only Pool Community!Welcome to 5 Brake Court, Elgin, SC—an exceptional opportunity to own a spacious, energy-efficient home in Kershaw County’s only pool community! The popular Bradley II floor plan offers 5 bedrooms, 3 full bathrooms, and a large loft, providing plenty of room for family, guests, work, and play.The open-concept design is ideal for entertaining, with a spacious living area flowing seamlessly into the gourmet kitchen featuring granite countertops, Energy Star® appliances, and a built-in amplifier with two ceiling speakers, creating the perfect atmosphere for gatherings. A main-level bedroom and full bath has flexibility for guests, a home office, or multigenerational living.Designed with efficiency in mind, this home includes R-50 attic insulation, advanced framing techniques, Low-E windows, a tankless water heater, energy-efficient HVAC system, programmable thermostat, HERS energy rating, and low-VOC paint and carpet, helping provide year-round comfort and lower utility costs.Step outside to enjoy the irrigation system, beautifully maintained yard, and all the amenities in this sought-after community. With low Kershaw County taxes and a convenient location just minutes from Interstate 20, Fort Jackson, and Shaw Air Force Base, commuting is a breeze while still enjoying the charm of Elgin.Don’t miss your chance to own this beautiful home that combines space, style, energy efficiency, and an outstanding location. Schedule your private showing today! Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Highlights

Listed by Patrick Mooney , BHHS Midlands Real Estate , 803-409-0830. Consolidated MLS (IDX)

Property Type

Residential

Lot/Acreage

0.34

HOA Fee

620 Yearly

Year Built

2021

County

Kershaw

Area

Kershaw County West - Lugoff, Elgin

Neighborhood

Walnut Grove

School District

Kershaw County

Listing ID

639889

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:5
▪ Bathrooms:3
▪ Full Bathrooms:3

Appliances:Dishwasher, Disposal, Microwave Above Stove, Dishwasher,Disposal,Microwave Above Stove

Air Cond:Central,Zoned

Fireplaces:Gas Log-Natural

Basement:No Basement

Other:Eat In,Island,Pantry,Counter Tops-Granite,Recessed Lights,Loft,Ceiling Fan,Garage Opener,Smoke Detector,Attic Access,Free-standing,Smooth Surface

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$1,795

Taxes

$223

HOA

$620

Home Price

$350,000

Home Price

Loan Details

30 yrs

6.634%

Interest Rate

Loan Type

Down Payment

20%

$70,000

Down Payment

Down Payment %

All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Monthly Price:

$1,794.54

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$1,794.54	$223.13	$620.00	$2,637.66
Yearly	$21,534.45	$2,677.50	$7,440.00	$31,651.95
Total	$646,033.41	$80,325.00	$223,200.00	$949,558.41