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218 Ridgewood Ave, Charlotte, NC 28209 Property Records

Mecklenburg County property record for 218 Ridgewood Ave, Charlotte, NC 28209

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,499 sqft · built 1935
Lot Size0.355 acres (15,483 sqft)
OwnerIndividual Name on File
Last Sale$757,500 (Sep 2007)
Tax Bill$20,185 (2023)
Deeds & MortgagesMay 2022 Mortgage
May 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN151-142-22

Property Details

APN / Parcel Number

Primary APN151-142-22

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,499 sqft Heated Area
Gross Area3,088 sqft
1st Floor Area1,617 sqft
Upper Floors Area832 sqft
Attic Area310 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1935
Architectural StyleOther
Exterior MaterialBrick Veneer
Foundation TypeRaised
Lot Area15,483 sqft (0.355 acres)
Garage Area884 sqft

Exterior Amenities

PorchPorch
Porch Area21 sqft
Deck Area200 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number151-142-22
Street Address218 RIDGEWOOD AVE
CityCHARLOTTE
StateNC
Zip28209-1632
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR4
Legal DescriptionL3 B7 M3-364
Legal Block7
Legal Lot Number3
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group2
Census Block2005
Census Tract2702

Owner

218 Ridgewood Ave is owned by an individual who acquired it in May 2016.

Source: Mecklenburg County records, as of May 24, 2023

Owner of RecordIndividual Name on File
Mailing AddressPO BOX 11010, CHARLOTTE, NC 28220-1010
Owner TypeIndividual

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

DateDocument
May 26, 2022Deed of Trust, Mortgage · Commercial Mortgage
FIRST CITIZENS BANK & TRUST CO
May 18, 2020Deed of Trust, Mortgage · Line of Credit
FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 28, 2007 · Amount on File
Deed SaleSep 28, 2007 · Amount on File
Prior SaleJun 30, 2011
Deed Document Number0000200718
Deed Book / Page22874 / 0111
Last Transfer DateMay 2, 2016
Transfer Doc0000052086
Record UpdatedJun 7, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address218 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1632
Transaction TypeMortgage
Record UpdatedMay 22, 2026
Title CompanySTEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

NameVerified Name
Address218 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1632

Mortgage

Document Number0000080229
DateMay 26, 2022
Book Page37373/336
Instrument2022080229
Lender
NameFIRST CITIZENS BANK & TRUST CO
TypeBank
AddressRALEIGH, NC 27611
Agreement
TypeCommercial Mortgage
AmountAmount on Record

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address218 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1632
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000070167
DateMay 18, 2020
Book Page34582/44
Instrument2020070167
Lender
NameFIRST CITIZENS BANK & TRUST CO
TypeBank
AddressCHARLOTTE, NC 28209
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 218 Ridgewood Ave in Zone X, an area of minimal flood risk, though there have been 104 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 77 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies77 in force
Nearby Flood Claims104 (1979–2025)
Claims Outside the SFHA13 of 104
Most Recent ClaimJun 2025 · rainfall accumulation

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 218 Ridgewood Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 276 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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