1077 Ramsgate Dr SW, Concord, NC 28025 Property Records

Cabarrus County property record for 1077 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	0.103 acres (4,487 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,701 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Jan 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11045F0068.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0068.000000`
Alternative APNs	`5538 38 1901` `115929` `171691`

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	2,494 sqft
1st Floor Area	936 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	240 sqft
Driveway	Concrete Driveway
Driveway Area	204 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	90 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	171691
Street Address	1077 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 68 RAMSGATE
Legal Subdivision	RAMSGATE
Legal Lot Number	68
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	1077 RAMSGATE DR SW, CONCORD, NC 28025-9261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 14, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2024
Deed Sale	Jul 15, 2024
Prior Sale	May 23, 2017 · Amount on Record
Deed Document Number	202414594
Deed Book / Page	17012 / 1
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1077 RAMSGATE DR SW, CONCORD, NC 28025-9261
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15440302
Date	Aug 26, 2021
Book Page	15440/302

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	CONCORD, NC 28027

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1077 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	1334520
Instrument Date	Jan 14, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1077 RAMSGATE DR SW CONCORD NC 280259261, CONCORD, NC 28025-9261

Mortgage

Document Number	1334520
Date	Jan 22, 2019
Book Page	013345/000020
Instrument	1463

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$2,701.00 (+36.35%)	$316,200 (+52.48%) Land $68,000 Building $248,200
2024			$316,200 (+52.48%) Land $68,000 Building $248,200
2023	$1,981.00	$207,370 Land $40,000 Building $167,370	$207,370 Land $40,000 Building $167,370

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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