12201 Ritchie Rd, Midland, NC 28107 Property Records

Cabarrus County property record for 12201 Ritchie Rd, Midland, NC 28107 · Last verified May 2024

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,307 sqft · built 1997
Lot Size	5.15 acres (224,770 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (May 2018)
Tax Bill	$3,108 (2023)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5534 28 4888`

Property Details

APN / Parcel Number

Primary APN	`5534 28 4888`
Alternative APNs	`10024 0007.300000` `123060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,307 sqft Living Area
Gross Area	1,664 sqft
1st Floor Area	1,307 sqft
Sunroom	Sunroom
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	224,770 sqft (5.15 acres)
Lot Width	526 ft Width
Garage Type	Mixed
Garage Area	576 sqft
Carport	Carport
Carport Area	336 sqft
Driveway	Driveway
Driveway Area	700 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	174 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	123060
Street Address	12201 RITCHIE RD
City	MIDLAND
State	NC
Zip	28107-5421
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LT 1 RITCHIE ESTATE
Legal Subdivision	RITCHIE ESTATE
Legal Lot Number	1
Jurisdiction	CABARRUS NC
Township / Civil Division	10, MIDLAND
Census Block Group	2
Census Block	2007
Census Tract	41603

Owner

Source: Cabarrus County records · APN 5534 28 4888

Assessment roll updated January 1, 2023 · Last verified May 2024

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 File
Mailing Address	12201 RITCHIE RD, MIDLAND, NC 28107-5421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 06, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Nov 07, 2019	Deed of Trust, Mortgage · Conventional Mortgage USAA
May 15, 2018	Warranty Deed, Transfer · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 15, 2018 · Amount on Record
Deed Sale	May 15, 2018 · Amount on Record
Deed Document Number	0013000155
Deed Book / Page	13000 / 155
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Recording Date	Jul 15, 2026
Property Address	12201 RITCHIE RD, MIDLAND, NC 28107-5421
Document Number	0000016830
Book / Page	18085 / 22
Instrument Date	Jul 13, 2026
Instrument	202616830
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	17341 WAVECREST CT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12201 RITCHIE RD, MIDLAND, NC 28107-5421

Mortgage

Document Number	0000016830,
Date	Jul 15, 2026
Book Page	18085/22
Instrument	202616830

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 01, 2046

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	12201 RITCHIE RD, MIDLAND, NC 28107-5421
Document Number	14661274
Instrument Date	Nov 06, 2020
Transaction Type	Mortgage
Record Updated	Dec 04, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12201 RITCHIE RD MIDLAND NC 281075421, MIDLAND, NC 28107-5421

Mortgage

Document Number	14661274
Date	Nov 12, 2020
Book Page	014661/000274
Instrument	40127

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	12201 RITCHIE RD, MIDLAND, NC 28107-5421
Document Number	13837235
Instrument Date	Nov 07, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12201 RITCHIE RD MIDLAND NC 281075421, MIDLAND, NC 28107-5421

Mortgage

Document Number	13837235
Date	Nov 13, 2019
Book Page	013837/000235
Instrument	31538

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 15, 2018
Property Address	12201 RITCHIE RD, MIDLAND, NC 28107-5421
Document Number	13000155
Book / Page	013000 / 000155
Instrument Date	May 15, 2018
Instrument	11408
Transaction Type	Transfer
Record Updated	May 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12201 RITCHIE RD MIDLAND NC 281075421, MIDLAND, NC 28107-5421

Mortgage

Document Number	13000157
Date	May 15, 2018
Book Page	013000/000157
Instrument	11409

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

Tax Assessment & Valuation

Source: Cabarrus County records · Assessment roll updated January 1, 2023 · Last verified May 2024

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Midland Town
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,108.00	$323,780 Land $84,030 Building $239,750	$323,780 Land $84,030 Building $239,750

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cabarrus County (37025C), updated July 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370250416032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 31 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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