1076 Ramsgate Dr SW, Concord, NC 28025 Property Records

Cabarrus County property record for 1076 Ramsgate Dr SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,064 sqft · built 2017
Lot Size	0.099 acres (4,312 sqft)
Owner	Company Name on Record
Last Sale	$395,000 (Apr 2022)
Tax Bill	$3,209 (2025)
Deeds & Mortgages	Apr 2022 Sale Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11045F0179.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0179.000000`
Alternative APNs	`5538 39 0035` `116040` `157905`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,064 sqft Living Area
Gross Area	2,337 sqft
1st Floor Area	936 sqft
Flooring	Softwood
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	4,312 sqft (0.099 acres)
Lot Dimensions	95 ft deep x 45 ft wide
Garage Type	Mixed
Garage Area	240 sqft
Driveway	Concrete Driveway
Driveway Area	192 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft
Patio Area	9 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	157905
Street Address	1076 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 179 RAMSGATE
Legal Subdivision	RAMSGATE
Legal Lot Number	179
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	5
Census Block	5018
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	Company Name on Record
Mailing Address	PO BOX 4900, SCOTTSDALE, AZ 85261-4900
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 30, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 15, 2017	Warranty Deed, Transfer INDEPENDENCE TITLE GROUP LLC
Mar 15, 2017	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2022 · Amount on Record
Deed Sale	Apr 21, 2022 · Amount on Record
Prior Sale	May 30, 2017 · Amount on Record
Deed Document Number	202213386
Deed Book / Page	15980 / 363
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Apr 21, 2022
Property Address	1076 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	0015980363
Book / Page	15980 / 363
Map Reference	MB 72 PG 48-50
Instrument Date	Apr 20, 2022
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$790.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1076 RAMSGATE DR SW, 1076, CONCORD, NC 28025-9261

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15087, SANTA ANA, CA 92735-0087
Investor	Possibly a Property Investor

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1076 RAMSGATE DR SW, CONCORD, NC 28025-9261
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15538309
Date	Sep 30, 2021
Book Page	15538/309

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

May 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 30, 2017
Property Address	1076 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	0012510309
Book / Page	12510 / 0309
Map Reference	MB72 PG48-50
Instrument Date	May 30, 2017
Instrument	12510-0309
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 21, 2022
Title Company	INDEPENDENCE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$358.00
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	1076 RAMSGATE DR SW, CONCORD, NC 28025-9261

Mortgage

Document Number	0125100311
Date	May 30, 2017
Instrument	12510-0311

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Mar 15, 2017
Property Address	1076 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	12398222
Book / Page	012398 / 000222
Instrument Date	Mar 14, 2017
Instrument	6359
Transaction Type	Transfer
Record Updated	May 7, 2018
Title Company	INDEPENDENCE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$228.00
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

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CABARRUS NC
Recording Date	Mar 15, 2017
Property Address	1076 RAMSGATE DR SW, CONCORD, NC 28025-9261
Book / Page	012398 / 000224
Instrument Date	Mar 14, 2017
Instrument	6360
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
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	$3,209.00 (+29.45%)	$322,210 (+58.6%) Land $68,000 Building $254,210
2024			$322,210 (+58.6%) Land $68,000 Building $254,210
2023	$2,479.00	$203,160 Land $40,000 Building $163,160	$203,160 Land $40,000 Building $163,160

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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