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321 Ridgewood Ave, Charlotte, NC 28209 Property Records

Mecklenburg County property record for 321 Ridgewood Ave, Charlotte, NC 28209

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 4,276 sqft · built 2015
Lot Size0.368 acres (16,054 sqft)
OwnerIndividual Name on File
Last Sale$578,000 (Oct 2014)
Tax Bill$26,277 (2023)
Deeds & MortgagesFeb 2021 Mortgage
Mar 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN151-143-21

Property Details

APN / Parcel Number

Primary APN151-143-21

Interior

Bedrooms3 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area4,276 sqft Heated Area
Gross Area6,862 sqft
1st Floor Area2,013 sqft
Upper Floors Area1,958 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2015
Architectural StyleOther
Exterior MaterialBrick Veneer
Foundation TypeRaised
Lot Area16,054 sqft (0.368 acres)

Exterior Amenities

PorchPorch
Porch Area622 sqft
Patio Area60 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number151-143-21
Street Address321 RIDGEWOOD AVE
CityCHARLOTTE
StateNC
Zip28209-1633
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR4
Legal DescriptionL4 B8 M3-221
Legal SubdivisionPOPLAR GABLES
Legal Block8
Legal Lot Number4
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group2
Census Block2004
Census Tract2702

Owner

321 Ridgewood Ave is owned by an individual who bought it in October 2014.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address520 BROADWAY, NEWBURGH, NY 12550-5120
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
Feb 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
M & T BANK
Mar 23, 2022Deed of Trust, Mortgage · Conventional Mortgage
M & T BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 17, 2014 · Amount on File
Deed SaleOct 17, 2014 · Amount on File
Deed Document Number0029514858
Deed Book / Page29514 / 858
Record UpdatedJun 7, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address321 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1633
Transaction TypeMortgage
Record UpdatedMay 22, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000033863
DateFeb 22, 2021
Book Page35702/907
Instrument2021033863
Lender
NameM & T BANK
TypeBank
AddressBUFFALO, NY 14203
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueMar 1, 2036

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address321 RIDGEWOOD AVE, CHARLOTTE, NC 28209-1633
Transaction TypeMortgage
Record UpdatedMay 22, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000044500
DateMar 23, 2022
Book Page37177/388
Instrument2022044500
Lender
NameM & T BANK
TypeBank
AddressBUFFALO, NY 14203
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term168 Months
DueMar 1, 2036

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 321 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 321 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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 231 locations within half a mile, as of December 31, 2025

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

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