1040 Ramsgate Dr SW, Concord, NC 28025 Property Records

Cabarrus County property record for 1040 Ramsgate Dr SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,135 sqft · built 2007
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$306,000 (Jun 2022)
Tax Bill	$2,777 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11045F0151.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0151.000000`
Alternative APNs	`5538 39 3243` `156206` `53248`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,135 sqft Living Area
Gross Area	1,609 sqft
1st Floor Area	1,135 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	378 sqft
Driveway	Concrete Driveway
Driveway Area	561 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	16 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	156206
Street Address	1040 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 151 RAMSGATE
Legal Subdivision	RAMSGATE
Legal Lot Number	151
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	5
Census Block	5021
Census Tract	40501

Owner

Source: Cabarrus County records · APN 11045F0151.000000

Assessment roll updated September 23, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1040 RAMSGATE DR SW, CONCORD, NC 28025-9261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 24, 2022 · Amount on Record
Deed Sale	Jun 24, 2022 · Amount on Record
Prior Sale	Sep 27, 2007 · Amount on Record
Deed Document Number	202220219
Deed Book / Page	16087 / 103
Record Updated	Jun 08, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 24, 2022
Property Address	1040 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	0016087103
Book / Page	16087 / 103
Instrument Date	Jun 16, 2022
Transaction Type	Transfer
Record Updated	Jul 04, 2022
Title Company	PANTHER TITLE INC, PANTHER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$612.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10357 WESSON HUNT RD NW, 10357, HUNTERSVILLE, NC 28078-4336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 RAMSGATE DR SW, CONCORD, NC 28025-9261

Mortgage

Document Number	0160870105
Date	Jun 24, 2022
Instrument	16087-0105

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Jan 01, 2023

Tax Assessment & Valuation

Source: Cabarrus County records · Assessment roll updated September 23, 2025 · Last verified April 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,777.00 (+46.08%)	$278,890 (+78.99%) Land $68,000 Building $210,890
2024			$278,890 (+78.99%) Land $68,000 Building $210,890
2023	$1,901.00	$155,810 Land $40,000 Building $115,810	$155,810 Land $40,000 Building $115,810

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 1, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Google Fiber, Verizon.

Based on FCC filings for 565 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF CONCORD serves 120,771 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.