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.

40 Pear Tree Loop, Elgin, SC 29045

House Description

Better than new and move in ready, this beautifully maintained home features 5 bedrooms, 3 full bathrooms, and a spacious layout designed to make the most of every square foot. The open kitchen flows seamlessly into the dining and living areas, creating the perfect space for entertaining or everyday living. Upstairs, the versatile loft provides the perfect flex space for a playroom, second family room, media area, or cozy sitting room, while the generous bedrooms provide plenty of space for family, guests, or a home office. Step outside to enjoy the large, fully fenced backyard with plenty of room to relax, play, or entertain. Located in the desirable Woodtrace community, you'll love the peaceful, quiet setting while still being close to Sandhills, shopping, restaurants, grocery stores, and easy access to I-20. Enjoy the charm and conveniences of Kershaw County while staying just minutes from everything you need. This meticulously cared for home is truly move in ready and waiting for its next owners. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Highlights

Listed by Abby Hughes , Yip Premier Real Estate LLC , 803-388-8798. Consolidated MLS (IDX)

Property Type

Residential

Lot/Acreage

0.23

HOA Fee

180 Yearly

Year Built

2015

County

Kershaw

Area

Kershaw County West - Lugoff, Elgin

Neighborhood

Woodtrace

School District

Kershaw County

Listing ID

638699

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

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

Appliances:Dishwasher, Disposal, Dryer, Refrigerator, Washer, Microwave Above Stove, Dishwasher,Disposal,Dryer,Refrigerator,Washer,Microwave Above Stove

Air Cond:Central,Heat Pump 1st Lvl,Heat Pump 2nd Lvl

Fireplaces:

Basement:No Basement

Other:Island,Pantry,Counter Tops-Granite,Cabinets-Stained,Floors-Vinyl,Loft,Attic Storage,Smoke Detector,Free-standing,Smooth Surface

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$1,694

Taxes

$207

HOA

$180

Home Price

$324,000

Home Price

Loan Details

30 yrs

6.825%

Interest Rate

Loan Type

Down Payment

20%

$64,800

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:

$1,694.11

Principal

Taxes

HOA

	Principal	Taxes	HOA	Total
Monthly	$1,694.11	$206.55	$180.00	$2,080.66
Yearly	$20,329.30	$2,478.60	$2,160.00	$24,967.90
Total	$609,879.15	$74,358.00	$64,800.00	$749,037.15