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John KurtzCharlotte · NC

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Charlotte · Charlotte, NC

8220 Ruby Valley Road

Charlotte, NC · 3,610 sqft

$857,000

Reduced from $924,000

  • 6Beds
  • 3Baths
  • 3,610SqFt
  • 2010Year
  • 62X130X61X130Lot
  • 20Days on market

About this home

Rare pond-view home in Stone Creek Ranch featuring a private balcony with beautiful water views! Experience elevated living in the highly desirable Ballantyne area within the sought-after Stone Creek Ranch community, where this northeast-facing 6-bedroom, 3-bathroom home is perfectly positioned on a private lot overlooking a tranquil community pond with stunning water views.

Designed for both comfort and functionality, the main floor features an open layout including a spacious kitchen with abundant storage and counter space that opens to the family room, an expansive backyard and pond views. There is a bedroom on the main floor, a full bathroom, a gas fireplace in the family room, a formal sitting room, pantry, and mud room.

Upstairs, the spacious primary suite offers a private balcony overlooking the water, creating a peaceful retreat with exceptional views. A spiral staircase leads directly to the extended patio below, providing a seamless indoor-outdoor living experience. The primary bath features dual vanities, soaking tub, separate shower, and walk-in closet.

The second floor also includes a marble-floor flex space currently used as a relaxation/meditation room, along with four additional bedrooms. One oversized bedroom offers flexibility as a bonus or recreation room. Thoughtfully designed with exceptional storage throughout, the home offers multiple walk-in closets and storage solutions on each floor.

Notable upgrades include a roof replaced in 2023, two high-efficiency HVAC systems installed in 2023, a garage equipped for 2 car simultaneous charging (One Level 2 charger and One Level 2 outlet) with dedicated wiring in place for a second charger, app-controlled 9-zone irrigation system, smart garage door opener with integrated camera and app controls, Vivint home security system, and raised-bed enclosed vegetable garden.

Stone Creek Ranch residents enjoy access to multiple amenity centers, including north and south clubhouses, pools, playgrounds, and walking trails. Just minutes from I-485 and premier destinations including Stonecrest, Rea Farms, Waverly, The Fountains, Promenade on Providence, and Blakeney Town Center, residents enjoy top-tier shopping, dining and entertainment, as well as convenient access to Life Time Fitness Center and the walking trails at Flat Branch Nature Preserve. Located near exceptional top-rated schools, with the New Cato Ridge Middle School opening soon.

Property details

Beds
6
Baths
3
SqFt
3,610
Lot
62X130X61X130
Year built
2010
Type
Single Family
Days on market
20
Garage
2
Style
Traditional
Heating
Central, Electric, Forced Air, Heat Pump, Natural Gas
Cooling
Ceiling Fan(s), Central Air, Electric
Foundation
Slab
Flooring
Carpet, Marble, Tile, Vinyl, Wood
HOA dues
$268 / qtr

Features

  • Attic Stairs Pulldown
  • Cable Prewire
  • Drop Zone
  • Entrance Foyer
  • Open Floorplan
  • Pantry
  • Walk-In Closet(s)
  • Walk-In Pantry
  • In-Ground Irrigation

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$6,396/ month

Principal & interest
$5,307
Property tax (~1.05%)
$749
Homeowners insurance
$249
HOA dues
$89

Down payment

$42,850 down · $814,150 financed

Income to qualify (28% rule)

~$274,149 / 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.