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John KurtzNational Real Estate

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Fort Mill · Fort Mill, SC

1065 Harbor Bay Drive

Fort Mill, SC · 3,217 sqft

$639,000

  • 5Beds
  • 3Baths
  • 3,217SqFt
  • 2021Year
  • 124x66Lot

About this home

Better Than New Luxury in Overlook at Barber Rock. Built in 2021 and maintained to absolute model-home perfection, this stunning 5-bedroom, 3-bath residence delivers the ultimate blend of modern elegance and functional design. The heart of the home features a show-stopping gourmet kitchen with a massive center island, a butler’s pantry, and top-tier stainless gas appliances, flowing seamlessly into a sun-drenched breakfast area and a spacious family room anchored by a cozy gas fireplace. Designed for flexible living, the main level hosts a sought-after private guest suite that doubles as the perfect, quiet work-from-home office. Upstairs serves as a true retreat, boasting a versatile bonus room (functioning as the 5th bedroom) and a luxurious Owner’s Suite complete with elegant tray ceilings and a spa-like bath. You can even step outside directly from a secondary bedroom onto a private balcony to relax and enjoy the view. With premium upgrades throughout, a charming covered front porch, and a highly functional drop zone off the 2-car garage, every detail of this home has been curated for maximum style and comfort. A charming covered front porch offers the perfect spot for morning coffee, while the rear covered porch provides a seamless, all-weather outdoor extension of your living space—ideal for weekend barbecues, evening relaxation, or year-round entertaining. The lifestyle here is just as incredible as the property itself. Spend your summers lounging at the community cabana and pool, or take advantage of being zoned for top-rated schools. Perfectly positioned just minutes from Ballantyne’s premier shopping and dining, the home offers unbeatable convenience. Commuters will love the easy access to Lancaster Highway, making trips to the Carolina Mall, downtown, or the local light rail effortless. Impeccably decorated, ultra-modern, and completely turnkey—your dream home is officially waiting!

Property details

Beds
5
Baths
3
SqFt
3,217
Lot
124x66
Year built
2021
Type
Single Family
Garage
2
Heating
Central, Natural Gas, Zoned
Cooling
Ceiling Fan(s), Central Air
Foundation
Slab
Flooring
Carpet, Hardwood, Tile
HOA dues
$350 / qtr

Features

  • Attic Stairs Pulldown
  • Breakfast Bar
  • Entrance Foyer
  • Garden Tub
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Walk-In Closet(s)
  • Walk-In Pantry

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$4,819/ month

Principal & interest
$3,957
Property tax (~1.05%)
$559
Homeowners insurance
$186
HOA dues
$116

Down payment

$31,950 down · $607,050 financed

Income to qualify (28% rule)

~$206,558 / 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.