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Fort Mill · Fort Mill, SC

1075 Gardenia Street

Fort Mill, SC · 3,430 sqft

$1,140,000

Reduced from $1,180,000

  • 5Beds
  • 3Baths
  • 3,430SqFt
  • 2008Year
  • 42Days on market

About this home

Private Retreat on .64 acres with an outdoor oasis. Properties like this don’t come along in Baxter Village. Tucked at the end of a quiet cul-de-sac on one of the neighborhood’s largest lots, 1075 Gardenia Street offers something most buyers search for but rarely find: privacy, space, and a backyard that feels like a destination — all within one of Fort Mill’s most sought-after communities. Step outside your back gate and you’re directly connected to Baxter Village’s trail system. A pocket park greets you out front. On nearly two-thirds of an acre of wooded, fenced lot, the outdoor living here is genuinely exceptional — a saltwater heated pool with slide and spa, a covered outdoor kitchen with built-in gas grill, countertop gas fire bowl, and fireplace. Whether it’s a summer afternoon with the kids or an evening gathering with friends, this yard delivers. The home is as move-in ready as it gets — and the updates are the real thing, not cosmetic. New PEX plumbing throughout (2025). Dual HVAC systems replaced in 2023 and 2024. Tankless water heater. Crawl space vapor barrier and dehumidifier, overhead garage storage, fresh exterior paint late 2024, and in-ground irrigation. Rich hardwood floors throughout the main level, freshly stained in a warm dark walnut finish. The kitchen features a custom hood vent seamlessly integrated into the cabinetry, removable kitchen island and opens to the family room — a layout that just works for everyday living and entertaining alike. Upstairs, the Jack-and-Jill bath configuration makes the secondary bedrooms incredibly functional, while the primary suite on the main level includes a custom Closet by Design system. Five bedrooms, four bathrooms, 3,430 square feet — with room for everyone to spread out.

Property details

Beds
5
Baths
3
SqFt
3,430
Lot
Year built
2008
Type
Single Family
Days on market
42
Garage
2
Style
Bungalow
Heating
Forced Air
Cooling
Central Air
Foundation
Crawl Space
Flooring
Carpet, Tile, Wood
HOA dues
$1,300 / yr

Features

  • Attic Walk In
  • In-Ground Hot Tub / Spa
  • In-Ground Irrigation
  • Outdoor Kitchen

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$8,356/ month

Principal & interest
$7,060
Property tax (~0.90%)
$855
Homeowners insurance
$332
HOA dues
$108

Down payment

$57,000 down · $1,083,000 financed

Income to qualify (28% rule)

~$358,122 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. Christy can introduce you to lenders she trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

About Fort Mill

York SC · Top-rated schools

Fast-growing York County (SC) town just over the line from Ballantyne — top-tier school district draws relocating families from Charlotte.

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