Charlotte · Charlotte, NC
8220 Ruby Valley Road
Charlotte, NC · 3,610 sqft
$849,000
Reduced from $924,000
- 6Beds
- 3Baths
- 3,610SqFt
- 2010Year
- 62X130X61X130Lot
- 23Days on market
About this home
Rare opportunity in Stone Creek Ranch! This spacious home features a private balcony with beautiful water views!
Experience elevated living in the highly desirable Ballantyne area within the sought-after Stone Creek Ranch community. This northeast-facing, 6-bedroom, 3-bathroom home is perfectly positioned on a private lot that overlooks the water, offering a scenic backdrop with peaceful pond views.
Designed for comfort and functionality, the main floor features an open layout with a spacious kitchen offering abundant storage and counter space, opening to a family room with a gas fireplace and exceptional water views. The main level also includes a bedroom, full bathroom, formal sitting room, a pantry, and a mudroom. Beyond the sliding doors is an expansive backyard and peaceful pondside walking path to enjoy.
Upstairs, the spacious primary suite creates a private retreat where you can enjoy a morning coffee with a scenic pond view or relax in the evenings taking in the quiet water views from your private balcony. From the balcony, a spiral staircase leads directly to the extended patio below for a seamless indoor-outdoor experience. The primary bath has dual vanities, a soaking tub, separate shower, and walk-in closet. The second floor also includes a marble-floor flex space perfect for a relaxation/meditation room, four additional bedrooms (including one oversized bonus/recreation room), and multiple walk-in closets. This home has exceptional storage solutions on each floor.
Notable upgrades include a brand-new roof (2023), two high-efficiency HVAC systems (2023), a garage fully equipped for 2-car simultaneous charging (one Level 2 charger and one Level 2 outlet with dedicated wiring for a second), an app-controlled 9-zone irrigation system, smart garage door opener with an integrated camera, a Vivint security system, and an enclosed, raised-bed vegetable garden.
Stone Creek Ranch residents enjoy access to premier amenity centers, including north and south clubhouses, pools, playgrounds, and walking trails. Located just minutes from I-485, Life Time Fitness, Flat Branch Nature Preserve, and top-tier shopping and dining at Stonecrest, Rea Farms, Waverly, The Fountains, Promenade on Providence, and Blakeney Town Center. Located near top-rated schools, with the new Cato Ridge Middle School opening soon. This home offers incredible space and beautiful water views!
Property details
- Beds
- 6
- Baths
- 3
- SqFt
- 3,610
- Lot
- 62X130X61X130
- Year built
- 2010
- Type
- Single Family
- Days on market
- 23
- 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
- View
- Water
- 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
$6,337/ month
- Principal & interest
- $5,258
- Property tax (~1.05%)
- $742
- Homeowners insurance
- $247
- HOA dues
- $89
Down payment
$42,450 down · $806,550 financed
Income to qualify (28% rule)
~$271,626 / 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
Gallery — 48 photos
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.


