Mecklenburg County property record for 312 Ridgewood Ave, Charlotte, NC 28209
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 4,364 sqft · built 1947 |
| Lot Size | 0.361 acres (15,725 sqft) |
| Owner | Individual Name on File |
| Last Sale | $2,950,000 (Jun 2026) |
| Tax Bill | $14,232 (2024) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 151-142-16 |
| Primary APN | 151-142-16 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 4,364 sqft Living Area |
| 1st Floor Area | 2,076 sqft |
| Upper Floors Area | 1,504 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,725 sqft (0.361 acres) |
| Garage Area | 690 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 480 sqft |
| Patio Area | 84 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 312 RIDGEWOOD AVE |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28209-1634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | L12 B7 M3-364 |
| Legal Subdivision | POPLAR GABLES |
| Legal Block | 7 |
| Legal Lot Number | 12 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 2702 |
312 Ridgewood Ave is owned and occupied by an individual who bought it in June 2026.
Source: Mecklenburg County records, as of June 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 312 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1634 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jun 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Oct 12, 2017 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2026 · Amount on File |
| Deed Sale | Jun 12, 2026 · Amount on File |
| Prior Sale | Jan 15, 2002 · Amount on File |
| Deed Document Number | 202662535 |
| Deed Book / Page | 40495 / 863 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jun 12, 2026 |
| Property Address | 312 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1634 |
| Document Number | 0000062535 |
| Book / Page | 40495 / 863 |
| Instrument Date | Jun 6, 2026 |
| Instrument | 202662535 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $595,900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1634 |
| Investor | Possibly a Property Investor |
| Document Number | 0000062536, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 202662536 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 312 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1634 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000138410 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | 32190/069 |
| Instrument | 2017138410 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 26, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,839,100 Land $990,000 Building $849,100 | $1,839,100 Land $990,000 Building $849,100 | |
| 2024 | $14,232.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 312 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 312 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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