Mecklenburg County property record for 243 Ridgewood Ave, Charlotte, NC 28209
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,476 sqft · built 1935 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,600,000 (Feb 2025) |
| Tax Bill | $10,499 (2025) |
| Deeds & Mortgages | Jul 2025 Construction Loan Feb 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 151-144-23 |
| Primary APN | 151-144-23 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,476 sqft Living Area |
| 1st Floor Area | 1,348 sqft |
| Upper Floors Area | 928 sqft |
| Basement Area | 232 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Area | 180 sqft |
| Patio Area | 93 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 243 RIDGEWOOD AVE |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28209-1631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L6 B9 M3-364 |
| Legal Subdivision | POPLAR GABLES |
| Legal Block | 9 |
| Legal Lot Number | 6 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 2702 |
243 Ridgewood Ave is owned by two individuals who bought it in February 2025.
Source: Mecklenburg County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4278 WILKINSON FARM LN, LANGLEY, WA 98260-9573 |
| 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.
| Date | Document |
|---|---|
| Jul 30, 2025 | Deed of Trust, Mortgage · Construction Mortgage TD BANK NA |
| Feb 27, 2025 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2025 · Amount on File |
| Deed Sale | Feb 27, 2025 · Amount on File |
| Prior Sale | Jan 1, 1975 |
| Deed Document Number | 202517928 |
| Deed Book / Page | 39406 / 946 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 243 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1631 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1500 FERNCLIFF RD, CHARLOTTE, NC 28211-2223 |
| Document Number | 0000076111 |
|---|---|
| Date | Jul 30, 2025 |
| Book Page | 39757/137 |
| Instrument | 2025076111 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Aug 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.2% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 11.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Feb 27, 2025 |
| Property Address | 243 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1631 |
| Document Number | 0000017928 |
| Book / Page | 39406 / 945 |
| Map Reference | MB 3 PG 364 |
| Instrument Date | Feb 25, 2025 |
| Instrument | 2025017928 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4278 WILKINSON FARM LN, LANGLEY, WA 98260-9573 |
| Name | Verified Name |
|---|---|
| Address | 243 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1631 |
| Document Number | 0000017929 |
|---|---|
| Date | Feb 27, 2025 |
| Instrument | 2025017929 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 6, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 8.25% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.2% |
The 2025 property tax bill for 243 Ridgewood Ave was $10,499.
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,499.00 | $1,346,500 Land $990,000 Building $356,500 | $1,346,500 Land $990,000 Building $356,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 243 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 77 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 77 in force |
| Nearby Flood Claims | 104 (1979–2025) |
| Claims Outside the SFHA | 13 of 104 |
| Most Recent Claim | Jun 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 risk around 243 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 Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025
| Provider | Max 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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