Mecklenburg County property record for 249 Ridgewood Ave, Charlotte, NC 28209
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,040 sqft · built 1926 |
| Lot Size | 0.354 acres (15,432 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Jul 1999) |
| Tax Bill | $14,485 (2023) |
| Deeds & Mortgages | Jul 2018 Line of Credit Apr 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 151-144-24 |
| Primary APN | 151-144-24 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,040 sqft Heated Area |
| Gross Area | 3,654 sqft |
| 1st Floor Area | 1,590 sqft |
| Upper Floors Area | 1,450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Foundation Type | Raised |
| Lot Area | 15,432 sqft (0.354 acres) |
| Garage Area | 586 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 411 sqft |
| Patio Area | 342 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 151-144-24 |
|---|---|
| Street Address | 249 RIDGEWOOD AVE |
| City | CHARLOTTE |
| State | NC |
| Zip | 28209-1631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | L7 &P10 B9 M3-364 |
| Legal Subdivision | POPLAR GABLES |
| Legal Block | 9 |
| Legal Lot Number | 7 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 2702 |
249 Ridgewood Ave is owned and occupied by an individual who bought it in July 1999.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 249 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1631 |
| 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.
| Date | Document |
|---|---|
| Jul 30, 2018 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Apr 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Jul 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Jul 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK |
| Oct 12, 2020 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 1999 · Amount on File |
| Deed Sale | Jul 30, 1999 · Amount on File |
| Deed Document Number | 0010657774 |
| Deed Book / Page | 10657 / 774 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 249 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1631 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ISGN |
| Name | Verified Name |
|---|
| Document Number | 0000095565 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 32867/157 |
| Instrument | 2018095565 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 249 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1631 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000050664 |
|---|---|
| Date | Apr 27, 2018 |
| Book Page | 32633/584 |
| Instrument | 2018050664 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 249 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1631 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|
| Document Number | 0000089895 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 33673/718 |
| Instrument | 2019089895 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 249 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1631 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|
| Document Number | 0000104983 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 34793/797 |
| Instrument | 2020104983 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 249 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1631 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000167859 |
|---|---|
| Date | Oct 12, 2020 |
| Book Page | 35168/415 |
| Instrument | 2020167859 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 2, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
FEMA maps place 249 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 249 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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