1045 Ramsgate Dr SW, Concord, NC 28025 Property Records

Cabarrus County property record for 1045 Ramsgate Dr SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,502 sqft · built 2007
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$109,000 (Nov 2010)
Tax Bill	$2,175 (2023)
Deeds & Mortgages	Aug 2022 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11045F0076.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0076.000000`
Alternative APNs	`5538 39 3097` `78585`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,502 sqft Living Area
Gross Area	1,862 sqft
1st Floor Area	1,502 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	100 ft deep x 45 ft wide
Garage Type	Mixed
Garage Area	360 sqft
Driveway	Driveway
Driveway Area	576 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	150 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	78585
Street Address	1045 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 76 RAMSGATE
Legal Subdivision	RAMSGATE 01 -MAP -M PH 01 PH 0
Legal Lot Number	76
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	5
Census Block	5008
Census Tract	40501

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	1045 RAMSGATE DR SW, CONCORD, NC 28025-9261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 22, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 1, 2010 · Amount on Record
Deed Sale	Nov 1, 2010 · Amount on Record
Prior Sale	Apr 9, 2010 · Amount on Record
Deed Document Number	0009350214
Deed Book / Page	9350 / 214
Record Updated	Jun 7, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1045 RAMSGATE DR SW, CONCORD, NC 28025-9261
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016161352
Date	Aug 17, 2022
Book Page	16161/352

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1045 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	13349322
Instrument Date	Jan 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 7, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 RAMSGATE DR SW CONCORD NC 280259261, CONCORD, NC 28025-9261

Mortgage

Document Number	13349322
Date	Jan 25, 2019
Book Page	013349/000322
Instrument	1810

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 24, 2034

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	$2,175.00	$178,310 Land $40,000 Building $138,310	$178,310 Land $40,000 Building $138,310

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

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 at the parcel

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)
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.

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