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John KurtzCharlotte · NC

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Tega Cay · Tega Cay, SC

12039 Spinnaker Drive

Tega Cay, SC · 4,490 sqft

$1,450,000

Reduced from $1,575,000

  • 5Beds
  • 4.5Baths
  • 4,490SqFt
  • 2015Year
  • 25x25x126x157x120x149Lot
  • 100Days on market

About this home

WATERFRONT on Windjammer Cove of Lake Wylie in Tega Cay, SC. Cul de sac lot with over half acre, dock with covered boat slip & lift, fenced backyard, fire pit, patio, deck, screened in porch & Basement. NO HOA. Perfect for lakeside entertaining & outdoor living! Main floor: Office with French Doors, Kitchen with granite counters, island & stainless appliances, Great Room, Dining Area, Primary Bedroom with lake view, Laundry Room & Drop Zone from the oversized 600 sq ft garage. Upstairs: Three bedrooms with large closets, 2 full baths & large Bonus Room. Lower Level: Bedroom 5 with full bath & lake view, Wet bar with stone accents, rec/living room, plus a playroom/study/fitness room with lake views. New carpet & fresh paint 2026. Highly rated Fort Mill Schools. If you want to be on the lake, want a dock, basement, garage, screened-in porch & big yard...THIS is the HOUSE! Tega Cay is a recreational city on the shores of Lake Wylie.

Property details

Beds
5
Baths
4.5
SqFt
4,490
Lot
25x25x126x157x120x149
Year built
2015
Type
Single Family
Days on market
100
Garage
2
Heating
Central
Cooling
Ceiling Fan(s), Central Air
Foundation
Basement
Flooring
Carpet, Hardwood, Tile
View
Water, Year Round

Features

  • Drop Zone
  • Entrance Foyer
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Walk-In Closet(s)
  • Fire Pit
  • Dock - Floating
  • Other - See Remarks

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$10,671/ month

Principal & interest
$8,980
Property tax (~1.05%)
$1,268
Homeowners insurance
$422
HOA dues

Down payment

$72,500 down · $1,377,500 financed

Income to qualify (28% rule)

~$457,368 / year household

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