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.