1073 Ramsgate Dr SW, Concord, NC 28025 Property Records

Cabarrus County property record for 1073 Ramsgate Dr SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,658 sqft · built 2017
Lot Size	0.103 acres (4,487 sqft)
Owner	Individual Name on Record
Last Sale	$162,500 (May 2017)
Tax Bill	$2,315 (2023)
Deeds & Mortgages	Sep 2026 Mortgage Feb 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11045F0069.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0069.000000`
Alternative APNs	`5538 38 1943` `116654`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,658 sqft Living Area
Gross Area	2,193 sqft
1st Floor Area	624 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
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	380 sqft
Driveway	Concrete Driveway
Driveway Area	285 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	55 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	116654
Street Address	1073 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 69 RAMSGATE
Legal Subdivision	RAMSGATE
Legal Lot Number	69
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 October 19, 2026

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
Mailing Address	1073 RAMSGATE DR SW, CONCORD, NC 28025-9261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Feb 16, 2024	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Oct 17, 2022	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
May 3, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage BANK OF NORTH CAROLINA
Feb 2, 2017	Warranty Deed, Transfer INDEPENDENCE TITLE GROUP LLC
Feb 2, 2017	Loan Modification, Mortgage · Line of Credit YADKIN BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2017 · Amount on Record
Deed Sale	May 3, 2017 · Amount on Record
Prior Sale	Feb 2, 2017 · Amount on Record
Deed Document Number	201712473-0124
Deed Book / Page	12473 / 124
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Recording Date	Sep 1, 2026
Property Address	1073 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	0000020799
Book / Page	18150 / 182
Instrument Date	Aug 5, 2026
Instrument	202620799
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1073 RAMSGATE DR SW, CONCORD, NC 28025-9261

Mortgage

Document Number	0000020799,
Date	Sep 1, 2026
Book Page	18150/182
Instrument	202620799

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Aug 1, 2066

Interest

Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1073 RAMSGATE DR SW, CONCORD, NC 28025-9261
Transaction Type	Mortgage
Record Updated	Feb 22, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1073 RAMSGATE DR SW, CONCORD, NC 28025-9261

Mortgage

Document Number	0016816261
Date	Feb 16, 2024
Book Page	16816/261

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	280 Months
Due	Jun 1, 2047

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1073 RAMSGATE DR SW, CONCORD, NC 28025-9261
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1073 RAMSGATE DR SW, CONCORD, NC 28025-9261

Mortgage

Document Number	0016245307
Date	Oct 17, 2022
Book Page	16245/307

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	296 Months
Due	Jun 1, 2047

May 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 3, 2017
Property Address	1073 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	0012473124
Book / Page	12473 / 0124
Map Reference	MB72 PG48-50
Instrument Date	May 3, 2017
Instrument	12473-0124
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 22, 2022
Title Company	INDEPENDENCE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2649 BREKONRIDGE CENTRE DR, 2649, MONROE, NC 28110-5629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1073 RAMSGATE DR SW, CONCORD, NC 28025-9261

Mortgage

Document Number	0124730126
Date	May 3, 2017
Instrument	12473-0126

Lender

Name	BANK OF NORTH CAROLINA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Jun 1, 2041

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Feb 2, 2017
Property Address	1073 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	123463
Book / Page	012346 / 000003
Instrument Date	Jan 27, 2017
Instrument	2820
Transaction Type	Transfer
Record Updated	May 7, 2018
Title Company	INDEPENDENCE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$171.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CABARRUS NC
Recording Date	Feb 2, 2017
Property Address	1073 RAMSGATE DR SW, CONCORD, NC 28025-9261
Book / Page	012346 / 000005
Instrument Date	Jan 27, 2017
Instrument	2821
Transaction Type	Mortgage
Record Updated	May 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Mortgage

Document Number	123465
Date	Feb 2, 2017
Book Page	012346/000005
Instrument	2821

Lender

Name	YADKIN BK
Type	Bank
Address	1005 HIGH HOUSE RD, CARY, NC 27513-3586

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$315,300 (+66.13%) Land $68,000 Building $247,300
2024			$315,300 (+66.13%) Land $68,000 Building $247,300
2023	$2,315.00	$189,790 Land $40,000 Building $149,790	$189,790 Land $40,000 Building $149,790

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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