Mecklenburg County property record for 7101 Ramsgate Rd, Charlotte, NC 28270
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,807 sqft · built 1985 |
| Lot Size | 0.413 acres (17,991 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,370,000 (Nov 2022) |
| Tax Bill | $12,757 (2023) |
| Deeds & Mortgages | Aug 2021 Line of Credit Aug 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 187-221-23 |
| Primary APN | 187-221-23 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,807 sqft Heated Area |
| Gross Area | 1,768 sqft |
| 1st Floor Area | 1,431 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 17,991 sqft (0.413 acres) |
| Porch | Porch |
| Porch Area | 20 sqft |
| Patio Area | 500 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 187-221-23 |
|---|---|
| Street Address | 7101 RAMSGATE RD |
| City | CHARLOTTE |
| State | NC |
| Zip | 28270-6538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | L1 M69-9 |
| Legal Lot Number | 1 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 2004 |
Source: Mecklenburg County records, as of May 24, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 7101 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 2, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF THE OZARKS |
| Aug 2, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF THE OZARKS |
| Nov 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Apr 16, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2022 · Amount on Record |
| Deed Sale | Nov 17, 2022 · Amount on Record |
| Prior Sale | Apr 16, 2021 · Amount on Record |
| Deed Document Number | 0037780204 |
| Deed Book / Page | 37780 / 204 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7101 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5009 MONROE RD 201, 201, CHARLOTTE, NC 28205-7847 |
| Document Number | 0000148035 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 36363/120 |
| Instrument | 2021148035 |
| Name | BANK OF THE OZARKS |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7101 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5009 MONROE RD 201, 201, CHARLOTTE, NC 28205-7847 |
| Document Number | 0000148039 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 36363/149 |
| Instrument | 2021148039 |
| Name | BANK OF THE OZARKS |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 17, 2022 |
| Property Address | 7101 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Document Number | 0000155330 |
| Book / Page | 37780 / 204 |
| Map Reference | MB 69 PG 9 |
| Instrument Date | Nov 17, 2022 |
| Instrument | 2022155330 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,740.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5009 MONROE RD # 201, 201, CHARLOTTE, NC 28205-7847 |
| Name | Verified Name |
|---|
| Document Number | 0000155331 |
|---|---|
| Date | Nov 17, 2022 |
| Instrument | 2022155331 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Dec 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.2% |
| Index | Other |
| Max Rate | 10.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 16, 2021 |
| Property Address | 7101 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Document Number | 0000075607 |
| Book / Page | 35948 / 107 |
| Instrument Date | Apr 15, 2021 |
| Instrument | 2021075607 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7101 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Name | Verified Name |
|---|---|
| Address | 1205 E 36TH ST # B, B, CHARLOTTE, NC 28205-1656 |
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) |
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 |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (1997–2000) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2000 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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