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.

1305 Ridgeway Rd, Lugoff, SC 29078

House Description

New Price Adjustment, Exceptional Value on 1.5+ Acres! VIEW VIRTUAL TOUR! Like-new home on 1.5+ acres with no HOA offering the perfect blend of privacy, modern finishes, and low-maintenance living. Thoughtfully designed for comfortable, functional living, this home provides a seamless flow ideal for everyday living and entertaining. The stylish kitchen features custom cabinetry and modern touches, opening to inviting living and dining spaces. Durable LVP flooring runs throughout, complemented by custom trim details and a clean, modern design that feels both elevated and welcoming. The flexible 1.5-story layout with 4 bedrooms and 3 full baths offers space for guests, a home office, or growing needs without wasted square footage. Step outside and experience what truly sets this property apart; a fully fenced, gated acre designed for privacy and possibility. Enjoy a brand new greenhouse, established garden area, fruit trees, and a newer chicken coop, creating the perfect setup for a hobby farm, homestead lifestyle, or simply more room to relax and unwind. Additional highlights include a side-entry 2-car garage, reverse osmosis water system, and a convenient location just minutes from Lugoff-Elgin schools and local amenities. A rare opportunity to own a newer custom home with land, freedom, and thoughtful design, ideal for buyers seeking space and lifestyle without the upkeep of a larger home. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Highlights

Listed by Britni McKinney , Lake Homes Realty LLC , 866-525-3466. Consolidated MLS (IDX)

Property Type

Residential

Lot/Acreage

1.53

Year Built

2024

County

Kershaw

Area

Kershaw County West - Lugoff, Elgin

Neighborhood

None

School District

Kershaw County

Listing ID

629831

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:4
▪ Bathrooms:3
▪ Full Bathrooms:3

Appliances:Dishwasher, Disposal, Refrigerator, Water Filter, Stove Exhaust Vented Exte, Tankless H20, Gas Water Heater, Dishwasher,Disposal,Refrigerator,Water Filter,Stove Exhaust Vented Exte,Tankless H20,Gas Water Heater

Air Cond:Central

Fireplaces:Gas Log-Propane

Basement:No Basement

Other:Island,Counter Tops-Granite,Recessed Lights,Floors-Luxury Vinyl Plank,FROG (With Closet),Gas,Master on Main

Other:Public

Payment Calculator

Payment Breakdown

Principal Interest

$2,561

Taxes

$318

Home Price

$499,500

Home Price

Loan Details

30 yrs

6.634%

Interest Rate

Loan Type

Down Payment

20%

$99,900

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:

$2,561.06

Principal

Taxes