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.


