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. Christy can introduce you to lenders she 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.