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Tega Cay · Tega Cay, SC

12029 Spinnaker Drive

Tega Cay, SC · 1,897 sqft

$499,000

  • 3Beds
  • 2Baths
  • 1,897SqFt
  • 1999Year

About this home

"Live the Good Life" in Tega Cay! This charming 3-bedroom, 2-bath ranch offers the ease of one-level living in one of the area's most sought-after communities. Nestled on the prestigious Peninsula of Tega Cay, this single-family home features a private backyard backing to mature woods, creating a peaceful setting to relax and unwind. Step inside and prepare to be impressed by the beautifully updated kitchen that will absolutely blow you away. Featuring custom cabinetry, stylish finishes, and thoughtful upgrades throughout, this stunning space serves as the heart of the home and is perfect for both everyday living and entertaining. Additional updates provide peace of mind and added value, including a tankless water heater (2023), new HVAC ductwork (2023), new carpet in the bedrooms (2025), and an epoxy-coated garage floor that adds both durability and style. Located within the award-winning Fort Mill School District, this home offers more than just a place to live—it's a lifestyle. Enjoy easy access to Lake Wylie with nearby beach access, boat launches, parks, walking trails, golf, pickleball, and all the recreational amenities Tega Cay is known for. Conveniently located just minutes from shopping, dining, and with quick access to Charlotte, you'll enjoy the perfect balance of tranquility and convenience. Whether you're looking to downsize, simplify, or embrace lake community living, this is your opportunity to experience all that Tega Cay has to offer.

Property details

Beds
3
Baths
2
SqFt
1,897
Lot
Year built
1999
Type
Single Family
Garage
2
Heating
Forced Air, Natural Gas
Cooling
Central Air
Foundation
Crawl Space
Flooring
Hardwood, Tile

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$3,610/ month

Principal & interest
$3,090
Property tax (~0.90%)
$374
Homeowners insurance
$145
HOA dues

Down payment

$24,950 down · $474,050 financed

Income to qualify (28% rule)

~$154,724 / 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

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.