1032 Ramsgate Dr SW, Concord, NC 28025 Property Records

Cabarrus County property record for 1032 Ramsgate Dr SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,422 sqft · built 2022
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$324,000 (May 2023)
Tax Bill	$488 (2023)
Deeds & Mortgages	May 2023 Sale & Mortgage Oct 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11045F0149.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0149.000000`
Alternative APNs	`5538 39 4228` `133840` `43009`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,422 sqft Living Area
Gross Area	5,227 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.119 acres)
Lot Dimensions	120 ft deep x 45 ft wide
Garage Type	Mixed
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	133840
Street Address	1032 RAMSGATE DR SW
City	CONCORD
State	NC
Zip	28025-9261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2
Legal Description	LT 149 RAMSGATE
Legal Subdivision	RAMSGATE PH 01 01 PH 01-MAP
Legal Lot Number	149
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	5
Census Block	5021
Census Tract	40501

Owner

Source: Cabarrus County records, as of May 1, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	1032 RAMSGATE DR SW, CONCORD, NC 28025-9261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 28, 2022	Deed of Trust, Mortgage · Construction Mortgage ANCHOR LOANS INC
May 19, 2022	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 26, 2023 · Amount on Record
Deed Sale	May 26, 2023 · Amount on Record
Prior Sale	May 19, 2022 · Amount on Record
Deed Document Number	0016505236
Deed Book / Page	16505 / 236
Record Updated	Jun 7, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 26, 2023
Property Address	1032 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	0016505236
Book / Page	16505 / 236
Map Reference	MB 44 PG 57-59
Instrument Date	May 26, 2023
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$648.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2208 W CONE BLVD, GREENSBORO, NC 27408-4020

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1032 RAMSGATE DR SW, CONCORD, NC 28025-9261

Mortgage

Document Number	0165050238
Date	May 26, 2023
Instrument	16505-0238

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1032 RAMSGATE DR SW, CONCORD, NC 28025-9261
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016260177
Date	Oct 28, 2022
Book Page	16260/177

Lender

Name	ANCHOR LOANS INC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2022: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	CABARRUS NC
Recording Date	May 19, 2022
Property Address	1032 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	0016032341
Book / Page	16032 / 341
Map Reference	MB 44 PG 57-59
Instrument Date	Apr 28, 2022
Transaction Type	Foreclosure
Record Updated	Jun 1, 2022

Transaction

Amount	Amount Recorded
Tax	$166.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2208 W CONE BLVD, GREENSBORO, NC 27408-4020

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Concord City
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$488.00	$98,470 Land $40,000 Building $58,470	$98,470 Land $40,000 Building $58,470

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CONCORD serves 120,771 people · EPA ID NC0113010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 565 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber, Verizon.

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