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John KurtzNational Real Estate

Concord · Concord, NC

5010 Ruff Road

Concord, NC · 1,751 sqft

$550,000

  • 3Beds
  • 2Baths
  • 1,751SqFt
  • 1994Year

About this home

Situated on 10 private acres in Highland Plantation, this 3 bed, 2 bath home offers a rare combination of space, comfort, and practical upgrades in a peaceful cul-de-sac setting with a private pond and pier. Inside, 9' ceilings, custom kitchen cabinetry, an inviting foyer, and a wood-burning fireplace create a warm and polished feel. The kitchen features an island with the cooktop built in, pantry, double oven, dishwasher, and thoughtful storage. Exiting through the French doors at the rear of the home, the covered porch overlooks a serene private backdrop. The primary suite includes an remodeled bathroom and the home has been further improved with a water heater in 2024, replaced ductwork in 2025, new vapor barrier within last 5 years, and an air purifier system added in 2022. Additional highlights include the roof installed in 2015 and checked in Jan of this year, installed LeafGuard system, and detached garage/workshop. A powered workshop provides excellent flexibility for hobbies, storage, equipment, or projects, while the acreage, pond setting, and no city taxes offer the privacy you've been looking for.

Property details

Beds
3
Baths
2
SqFt
1,751
Lot
Year built
1994
Type
Single Family
Garage
3
Heating
Heat Pump
Cooling
Ceiling Fan(s), Central Air
Foundation
Crawl Space
Flooring
Carpet, Tile, Wood
HOA dues
$200 / yr

Features

  • Attic Stairs Pulldown
  • Entrance Foyer
  • Kitchen Island
  • Pantry

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$4,005/ month

Principal & interest
$3,406
Property tax (~0.92%)
$421
Homeowners insurance
$160
HOA dues
$16

Down payment

$27,500 down · $522,500 financed

Income to qualify (28% rule)

~$171,645 / 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.