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Single Family ResidenceResidential
$454,500$229 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $449,000 on Sep 23, 2025

12092 SPINNAKER DR

TEGA CAY, SC 29708
3 / 1
Baths
1,989 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$455K
$436K low$473K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$449,000 · Sep 23, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$27,950
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$22,360
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.94%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$426,550
AMERICAN SECURITY MORTGAGE CORP · recorded Sep 23, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,101 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$12,061 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,377
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$9,684
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$12,061
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$431,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.56
62
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
90
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
74
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
48
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.27 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyYork
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2009
Lot (acres)The size of the land the home sits on, from county records.1.00
HeatingThe type of heating system in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 200 ft²Patio · 200 ft²Porch · 220 ft²

Transaction History(8)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Tega Cay Elementary SchoolA
Elementary · Grades KG–5 · 0.7 mi
M
Gold Hill Middle SchoolB
Middle · Grades 6–8 · 1.9 mi
H
Fort Mill High SchoolA+
High · Grades 9–12 · 4.0 mi

District: York School District 4

Neighborhood · ZIP 29708These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.63
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.82

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.37%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.41,392
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,056 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$126,205
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$159,487
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

12092 Spinnaker Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 76% of homes in Fort Mill 29708
  • Costs more per square foot than 73% of homes in York County
  • Smaller than 69% of homes in Fort Mill 29708
  • Has a bigger lot than 96% of homes in Fort Mill 29708
  • Older than 84% of homes in Fort Mill 29708

What homes are worth in Fort Mill 29708

Each bar is how many homes fall in that price range. The marker is this home.

This home
$250K$1.3M

This home is worth more than 24% of homes in Fort Mill 29708.

How it measures up in Fort Mill 29708

The dot is this home. The mark in the middle is the typical home in Fort Mill 29708.

Estimated value$454,500
CheaperTypical $591,021Pricier

Pricier than 24% of homes nearby

Price per ft²$229
CheaperTypical $243Pricier

Pricier than 36% of homes nearby

Living area1,989 ft²
SmallerTypical 2,530 ft²Bigger

Bigger than 31% of homes nearby

Lot size1 ac
SmallerTypical 1 acBigger

Bigger than 96% of homes nearby

Year built1992
OlderTypical 2006Newer

Newer than 16% of homes nearby

How 12092 Spinnaker Dr ranks against every home in each area.
MeasureThis homeFort Mill 29708York County
Estimated valuepricier than$454,50024% of homes65% of homes
Price per ft²pricier than$22936% of homes73% of homes
Living areabigger than1,989 ft²31% of homes56% of homes
Lot sizebigger than1 ac96% of homes81% of homes
Year builtnewer than199216% of homes34% of homes

About 12092 Spinnaker Dr

How much is 12092 Spinnaker Dr, Tega Cay, SC worth?

The TopHap Estimate for 12092 Spinnaker Dr, Tega Cay, SC is $454,500 as of Jul 14, 2026. The likely range is $435,588 to $473,412. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12092 Spinnaker Dr, Tega Cay, SC last sell?

12092 Spinnaker Dr, Tega Cay, SC last sold on Sep 23, 2025 for $449,000, according to the county's recorded deed. TopHap holds 7 recorded sales for this parcel.

How big is 12092 Spinnaker Dr, Tega Cay, SC?

12092 Spinnaker Dr, Tega Cay, SC has 3 bathrooms, 1,989 square feet of living space and a 1.00-acre lot.

When was 12092 Spinnaker Dr, Tega Cay, SC built?

12092 Spinnaker Dr, Tega Cay, SC was built in 1992, making it 34 years old. The building has 2 stories.

What schools serve 12092 Spinnaker Dr, Tega Cay, SC?

12092 Spinnaker Dr, Tega Cay, SC is assigned to Tega Cay Elementary School (elementary), rated A; Gold Hill Middle School (middle), rated B; Fort Mill High School (high), rated A+. All sit in York School District 4. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12092 Spinnaker Dr, Tega Cay, SC compare to other homes in Fort Mill 29708?

Among the 13,568 homes in Fort Mill 29708, it is worth more than 24% of them ($454,500 against a typical $591,021), its price per square foot is higher than 36% of them ($229 against a typical $243), it is bigger than 31% of them (1,989 ft² against a typical 2,530 ft²), its lot is bigger than 96% of them (1 ac against a typical 1 ac) and it is newer than 16% of them (1992 against a typical 2006). Measured against all of York County, it is worth more than 65% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12092 Spinnaker Dr, Tega Cay, SC?

The 2025 property tax bill for 12092 Spinnaker Dr, Tega Cay, SC was $3,101. The county assessed it at $12,061.

Closest homes

More homes in Tega Cay 29708

Assigned schools

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