Mecklenburg County property record for 315 Ridgewood Ave, Charlotte, NC 28209
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 5,387 sqft · built 1936 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100,000 (Mar 2010) |
| Tax Bill | $18,430 (2024) |
| Deeds & Mortgages | Jul 2025 Line of Credit Sep 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 151-143-20 |
| Primary APN | 151-143-20 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,387 sqft Living Area |
| 1st Floor Area | 2,379 sqft |
| Upper Floors Area | 2,936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Area | 653 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 66 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 242 sqft |
| Patio Area | 585 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 315 RIDGEWOOD AVE |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28209-1633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L3 B8 M3-364 |
| Legal Subdivision | POPLAR GABLES |
| Legal Block | 8 |
| Legal Lot Number | 3 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 2702 |
315 Ridgewood Ave is owned and occupied by two individuals who bought it in March 2010.
Source: Mecklenburg County records, as of March 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 315 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1633 |
| 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 7, 2025 | Deed of Trust, Mortgage · Line of Credit TOWNEBANK |
| Sep 20, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Nov 12, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Jul 15, 2020 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2010 · Amount on File |
| Deed Sale | Mar 16, 2010 · Amount on File |
| Prior Sale | Aug 30, 2007 · Amount on File |
| Deed Document Number | 201029223 |
| Deed Book / Page | 25480 / 511 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 315 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1633 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Title Company | CORPORATE SETTLEMENT SOLUTIONS, CORPORATE STLMT SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 315 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1633 |
| Document Number | 0000067244 |
|---|---|
| Date | Jul 7, 2025 |
| Book Page | 39705/212 |
| Instrument | 2025067244 |
| Name | TOWNEBANK |
|---|---|
| Type | Bank |
| Address | SUFFOLK, VA 23435 |
| 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 | 315 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1633 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 315 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1633 |
| Document Number | 0000090148 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 38382/341 |
| Instrument | 2023090148 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Oct 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.7% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 315 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1633 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 315 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1633 |
| Document Number | 0000108309 |
|---|---|
| Date | Nov 12, 2024 |
| Book Page | 39200/873 |
| Instrument | 2024108309 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 315 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1633 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000106978 |
|---|---|
| Date | Jul 15, 2020 |
| Book Page | 34806/359 |
| Instrument | 2020106978 |
| Name | SOUTH STATE BANK |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29423 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 20, 2030 |
| 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 | $2,413,700 Land $900,000 Building $1,513,700 | $2,413,700 Land $900,000 Building $1,513,700 | |
| 2024 | $18,430.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 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 315 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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