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.

1674 Mallard Point Ln, Ridgeway, SC 29130

House Description

Welcome to your private retreat on Lake Wateree—where nature, waterfront living, and opportunity come together. Set on a beautifully wooded .84-acre lot with approximately 220 feet of waterfront in a peaceful cove (with big water just yards away), this property offers the chance to create your ideal full-time home or weekend escape. Enjoy fishing, boating, skiing, kayaking, and quiet moments observing sunrises, wildlife, and native plants from your own property.The original home was expanded to include flexible living spaces and unique character throughout. A standout feature is the lakeside Florida Room (approx. 350 additional unheated sq ft), filled with natural light and anchored by a wood-burning fireplace—perfect for gathering, relaxing, and enjoying the views. Step outside to the patio, pool area, and large granite fire pit for outdoor entertaining.Inside, the versatile layout includes two primary suites—one on the main level and a private retreat above the garage featuring wood floors, exposed beams, wood-burning fireplace, kitchenette, full bath, generous storage, separate exterior access, and its own lake-facing deck. Ideal for guests, extended family, or multigenerational living. A flexible main-level room (no closet) works well as an office or guest space, while the dining area offers a third fireplace for added warmth and charm.Additional highlights include a powered studio with window AC unit. Also, note the 2-car garage (new doors), laundry hookups in both kitchen and garage, and a private dock for direct lake access.Sold As-Is, the home will require repairs and updates, including the pool and surrounding fencing. However, several important improvements have already been completed: HVAC system, ductwork, and upstairs mini-split replaced Dec. 2024;roof replaced approx. 12 years ago with two boots replaced April 2026; septic cleaned and new pool pump installed April 2026; and wood laminate flooring added in main living areas in 2022.Located near the south end of Lake Wateree—the closest lake area to Columbia—also close to Lugoff, Elgin, and Camden for shopping, dining, and healthcare. Find your peaceful lake living with everyday conveniences nearby!

Highlights

Listed by Linda Hall , Coldwell Banker Realty , 803-788-2811. Consolidated MLS (IDX)

Property Type

Manufactured Home

Lot/Acreage

0.84

Year Built

1975

County

Kershaw

Area

Kershaw County West - Lugoff, Elgin

Neighborhood

Lake Wateree

School District

Kershaw County

Listing ID

633589

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

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

Appliances:Dishwasher, Refrigerator, Microwave Above Stove, Electric Water Heater, Dishwasher,Refrigerator,Microwave Above Stove,Electric Water Heater

Air Cond:Central,Split System

Fireplaces:Wood Burning

Basement:No Basement

Other:Counter Tops-Granite,Cabinets-Painted,Second Kitchen,Floors-Luxury Vinyl Plank,Sun Room,Office,Workshop,Free-standing

Other:Public,Well

Payment Calculator

Payment Breakdown

Principal Interest

$2,820

Taxes

$351

Home Price

$550,000

Home Price

Loan Details

30 yrs

6.634%

Interest Rate

Loan Type

Down Payment

20%

$110,000

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:

$2,819.99

Principal

Taxes