1081 Ramsgate Dr SW, Concord, NC 28025 Property Records

Cabarrus County property record for 1081 Ramsgate Dr SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,252 sqft · built 2017
Lot Size	0.099 acres (4,312 sqft)
Owner	Company Name on Record
Last Sale	$380,000 (Sep 2022)
Tax Bill	$2,712 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11045F0067.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0067.000000`
Alternative APNs	`5538 38 0868` `117719` `154956`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,252 sqft Living Area
Gross Area	2,776 sqft
1st Floor Area	944 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 Width	38 ft Width
Garage Type	Finished
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	336 sqft
Parking Spaces	2 Parking Spaces
Patio Area	124 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	154956
Street Address	1081 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 67 RAMSGATE
Legal Subdivision	RAMSGATE
Legal Lot Number	67
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 August 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	8390 E VIA DE VENTURA, F110STEF11, SCOTTSDALE, AZ 85258-3188
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · FHA Mortgage ALABAMA HOUSING FINANCE AUTHORITY
Sep 6, 2022	Warranty Deed, Transfer
Jan 4, 2021	Loan Modification, Mortgage · FHA Mortgage HOUSING FIN AUTH
Aug 23, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PINNACLE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2022 · Amount on Record
Deed Sale	Sep 6, 2022 · Amount on Record
Prior Sale	Aug 23, 2017 · Amount on Record
Deed Document Number	202226931
Deed Book / Page	16192 / 103
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1081 RAMSGATE DR SW, CONCORD, NC 28025-9261
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001488572
Date	Feb 3, 2021
Book Page	14885/72

Lender

Name	ALABAMA HOUSING FINANCE AUTHORITY
Type	Government Agency
Address	MONTGOMERY, AL 36117

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jul 1, 2050

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Sep 6, 2022
Property Address	1081 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	0016192103
Book / Page	16192 / 103
Map Reference	MB 72 PG 48-50
Instrument Date	Aug 31, 2022
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Amount	Amount Recorded
Tax	$760.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1081 RAMSGATE DR SW, 1081, CONCORD, NC 28025-9261

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8390 E VIA DE VENTURA # 303, 303, SCOTTSDALE, AZ 85258-3188
Investor	Possibly a Property Investor

January 2021: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CABARRUS NC
Property Address	1081 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	14858254
Instrument Date	Jan 4, 2021
Transaction Type	Mortgage
Record Updated	Mar 15, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 RAMSGATE DR SW CONCORD NC 280259261, CONCORD, NC 28025-9261

Mortgage

Document Number	14858254
Date	Jan 26, 2021
Book Page	014858/000254
Instrument	3393

Lender

Name	HOUSING FIN AUTH
Address	MONTGOMERY, AL 36117

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2051

August 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Aug 23, 2017
Property Address	1081 RAMSGATE DR SW, CONCORD, NC 28025-9261
Document Number	1264116
Book / Page	012641 / 000016
Instrument Date	Aug 23, 2017
Instrument	21779
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 15, 2021
Title Company	INDEPENDENCE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$391.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1081 RAMSGATE DR SW CONCORD NC 28025, CONCORD, NC 28025

Mortgage

Document Number	1264118
Date	Aug 23, 2017
Book Page	012641/000018
Instrument	21780

Lender

Name	PINNACLE BK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2047

Mortgage

Document Number	1264130,
Date	Aug 23, 2017
Book Page	012641/000030
Instrument	21781

Lender

Name	HOUSING FIN AGCY
Address	RALEIGH, NC 27611-8066

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 22, 2032

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		$342,240 (-) Land $68,000 Building $274,240
2025		$342,240 (+53.98%) Land $68,000 Building $274,240
2024			$342,240 (+53.98%) Land $68,000 Building $274,240
2023	$2,712.00	$222,260 Land $40,000 Building $182,260	$222,260 Land $40,000 Building $182,260

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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