1080 Ramsgate Dr SW, Concord, NC 28025 Property Records

Cabarrus County property record for 1080 Ramsgate Dr SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,088 sqft · built 2017
Lot Size	0.101 acres (4,400 sqft)
Owner	2 Individual Names on File
Last Sale	$193,000 (Jul 2017)
Tax Bill	$2,636 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11045F0180.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0180.000000`
Alternative APNs	`5538 29 9093` `116935`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,088 sqft Living Area
Gross Area	2,430 sqft
1st Floor Area	960 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	4,400 sqft (0.101 acres)
Lot Width	42 ft Width
Garage Type	Mixed
Garage Area	240 sqft
Driveway	Concrete Driveway
Driveway Area	458 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	90 sqft
Patio Area	12 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	116935
Street Address	1080 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 180 RAMSGATE
Legal Subdivision	RAMSGATE
Legal Lot Number	180
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	5
Census Block	5018
Census Tract	40501

Owner

1080 Ramsgate Dr SW is owned and occupied by two individuals who bought it in July 2017.

Source: Cabarrus County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1080 RAMSGATE DR SW, CONCORD, NC 28025-9261
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage SHARONVIEW FCU
Jul 28, 2022	Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU
Jul 14, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage MOVEMENT MORTGAGE
Feb 1, 2017	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2017 · Amount on File
Deed Sale	Jul 14, 2017 · Amount on File
Prior Sale	Feb 3, 2017 · Amount on File
Deed Document Number	201712583-0264
Deed Book / Page	12583 / 264
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1080 RAMSGATE DR SW, CONCORD, NC 28025-9261
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014905249
Date	Feb 11, 2021
Book Page	14905/249

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	318 Months
Due	Aug 1, 2047

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1080 RAMSGATE DR SW, CONCORD, NC 28025-9261
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015863212
Date	Feb 23, 2022
Book Page	15863/212

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1080 RAMSGATE DR SW, CONCORD, NC 28025-9261
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016134254
Date	Jul 28, 2022
Book Page	16134/254

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jul 14, 2017
Property Address	1080 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	0012583264
Book / Page	12583 / 0264
Map Reference	MB72 PG48-50
Instrument Date	Jul 14, 2017
Instrument	12583-0264
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$386.00
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	1080 RAMSGATE DR SW, CONCORD, NC 28025-9261

Mortgage

Document Number	0125830266
Date	Jul 14, 2017
Instrument	12583-0266

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CABARRUS NC
Property Address	1080 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	123477
Instrument Date	Feb 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 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	123477
Date	Feb 3, 2017
Book Page	012347/000007
Instrument	2913

Lender

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

Agreement

Amount	Amount on Record

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		$330,080 Land $68,000 Building $262,080
2024			$330,080 (+52.79%) Land $68,000 Building $262,080
2023	$2,636.00	$216,040 Land $40,000 Building $176,040	$216,040 Land $40,000 Building $176,040

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

Flood

FEMA maps place 1080 Ramsgate Dr SW in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1080 Ramsgate Dr SW is low, with a 0.04% annual chance of 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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