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Charlotte · Charlotte, NC

5315 Ruth Drive

Charlotte, NC · 1,035 sqft

$555,000

  • 3Beds
  • 2.5Baths
  • 1,035SqFt
  • 1976Year

About this home

Endless possibilities await with this well-maintained property. An all-brick, ranch main house is accompanied by a a charming converted detached garage, which the owner affectionately calls, “La Casita”. This thoughtfully finished additional space has been previously listed as an ADU and was rented out. It is enhanced by a private entrance, parking pad and includes a kitchen, living room, one bedroom with a skylight, one full bathroom, walk-in closet, and stackable washer and dryer. Offering exceptional flexibility, this detached space is ready to suit a variety of needs.

The full-brick main home offers two bedrooms, a recently updated features in the kitchen, primary bathroom, and a half bath, blending updates with timeless character. The elegant front door opens to a welcoming living room that features a brick wood-burning fireplace with wood mantel and hardwood floors. The refreshed kitchen offers new countertops, tile flooring, updated lighting, a new dishwasher and garbage disposal, and freshly painted cabinets. The adjoining dining area provides direct access to a large back deck, while a built-in fold-out ironing board just off the kitchen adds a touch of classic charm. The large primary bedroom features a ceiling fan with light, private bathroom and a cedar-lined closet, adding warmth and character.

Situated on a generous 0.46-acre lot, the property also features a fenced, fully landscaped backyard, a powered workshop, carport, off-street parking, and an additional storage shed. The workshop features separate electrical meter, ceiling fan, outlets, and reinforced ramp. Homeowner states that the flooring is insulated and that she parked her vintage car (approx 2,000 lbs) here. Further updates to the main house include the roof, gas furnace, air conditioning, gutters with guards, resurfaced rear deck, and covered front porch. Ideally located just minutes from the LYNX Blue Line with free park-and-ride access, NoDa, and Uptown Charlotte, this unique property offers remarkable flexibility, extensive updates, and an exceptional location.

Property details

Beds
3
Baths
2.5
SqFt
1,035
Lot
Year built
1976
Type
Single Family
Heating
Central, Forced Air
Cooling
Ceiling Fan(s), Central Air
Foundation
Crawl Space
Flooring
Carpet, Tile, Wood

Features

  • Attic Other
  • Pantry
  • Storage
  • Other - See Remarks

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$4,084/ month

Principal & interest
$3,437
Property tax (~1.05%)
$485
Homeowners insurance
$161
HOA dues

Down payment

$27,750 down · $527,250 financed

Income to qualify (28% rule)

~$175,062 / 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.

Location

About Charlotte

Metro core · Multi-ZIP coverage

The metro itself — Christy works Charlotte across multiple sub-markets, from the inner-ring streetcar suburbs through Ballantyne and the East side.

Explore Charlotte

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