1065 Ramsgate Dr SW, Concord, NC 28025 Property Records

Cabarrus County property record for 1065 Ramsgate Dr SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,088 sqft · built 2017
Lot Size	0.103 acres (4,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$181,000 (Jun 2017)
Tax Bill	$3,146 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage Mar 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`11045F0071.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0071.000000`
Alternative APNs	`5538 38 2927` `116476`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,088 sqft Living Area
Gross Area	2,414 sqft
1st Floor Area	1,044 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,487 sqft (0.103 acres)
Lot Dimensions	100 ft deep x 45 ft wide
Garage Type	Mixed
Garage Area	190 sqft
Driveway	Concrete Driveway
Driveway Area	200 sqft
Porch	Slab
Porch Area	36 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	116476
Street Address	1065 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 71 RAMSGATE
Legal Subdivision	RAMSGATE
Legal Lot Number	71
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	5
Census Block	5008
Census Tract	40501

Owner

Source: Cabarrus County records, as of March 27, 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 Record
Mailing Address	1065 RAMSGATE DR SW, CONCORD, NC 28025-9261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2017	Warranty Deed, Subdivision Related Transfer BANK OF AMERICA
Mar 14, 2017	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2017 · Amount on Record
Deed Sale	Jun 21, 2017 · Amount on Record
Deed Document Number	201712544-0306
Deed Book / Page	12544 / 306
Last Transfer Date	Jun 9, 2025
Transfer Doc	0017470252
Record Updated	Jun 8, 2026

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 21, 2017
Property Address	1065 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	12544306
Book / Page	012544 / 000306
Instrument Date	Jun 13, 2017
Instrument	15643
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$362.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1065 RAMSGATE DR SW CONCORD NC 280259261, CONCORD, NC 28025-9261

Mortgage

Document Number	12544308
Date	Jun 21, 2017
Book Page	012544/000308
Instrument	15644

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2047

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CABARRUS NC
Property Address	1065 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	12398224
Instrument Date	Mar 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2649 BREKONRIDGE CENTRE DR #1 MONROE NC 281105629, 1, MONROE, NC 28110-5629
Investor	Possibly a Property Investor

Mortgage

Document Number	12398224
Date	Mar 15, 2017
Book Page	012398/000224
Instrument	6360

Lender

Name	WELLS FARGO BK
Type	Bank
Address	301 S COLLEGE ST MAC D1053-049, CHARLOTTE, NC 28202

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of September 23, 2025

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
2025	$3,146.00 (+24.35%)	$315,900 (+52.33%) Land $68,000 Building $247,900
2024			$315,900 (+52.33%) Land $68,000 Building $247,900
2023	$2,530.00	$207,380 Land $40,000 Building $167,380	$207,380 Land $40,000 Building $167,380

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% 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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon, Windstream.

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