Mecklenburg County property record for 7119 Ramsgate Rd, Charlotte, NC 28270
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 5,196 sqft · built 2020 |
| Lot Size | 0.449 acres (19,558 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $112,000 (Feb 2019) |
| Tax Bill | $8,154 (2025) |
| Deeds & Mortgages | Sep 2026 Construction Loan May 2026 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 187-222-04 |
| Primary APN | 187-222-04 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,196 sqft Living Area |
| Gross Area | 5,768 sqft |
| 1st Floor Area | 1,766 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 19,558 sqft (0.449 acres) |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 7119 RAMSGATE RD |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28270-6538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | P2C M40-757 |
| Legal Subdivision | RAMSGATE ROAD |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 2004 |
Source: Mecklenburg County records, as of October 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7119 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2026 | Deed of Trust, Mortgage · Construction Mortgage PINNACLE BANK |
| May 20, 2026 | Deed of Trust, Mortgage · Line of Credit TRUST BANK |
| Jul 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Nov 20, 2019 | Deed of Trust, Mortgage · Construction Mortgage NEWDOMINION BANK |
| Feb 27, 2019 | Warranty Deed, Transfer INVESTORS TITLE INSURANCE, INVESTORS TITLE INS |
| Dec 7, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2019 · Amount on Record |
| Deed Sale | Feb 27, 2019 · Amount on Record |
| Prior Sale | Mar 3, 2005 · Amount on Record |
| Deed Document Number | 201921712 |
| Deed Book / Page | 33312 / 518 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 30, 2026 |
| Property Address | 7119 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Document Number | 0000104812 |
| Book / Page | 40748 / 317 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 2026104812 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 7119 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Document Number | 0000104812, |
|---|---|
| Date | Sep 30, 2026 |
| Book Page | 40748/317 |
| Instrument | 2026104812 |
| Name | PINNACLE BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 2 Months |
| Due | Nov 5, 2026 |
| Rate | 8% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 20, 2026 |
| Property Address | 7119 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Document Number | 0000053097 |
| Book / Page | 40436 / 413 |
| Instrument Date | May 8, 2026 |
| Instrument | 202653097 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | DATA SEARCH |
| Name | Verified Name |
|---|---|
| Address | 7119 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Document Number | 0000053097, |
|---|---|
| Date | May 20, 2026 |
| Book Page | 40436/413 |
| Instrument | 202653097 |
| Name | TRUST BANK |
|---|
| Type | Line of Credit |
|---|
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7119 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000133581 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 36280/535 |
| Instrument | 2021133581 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7119 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000158459 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | 34053/114 |
| Instrument | 2019158459 |
| Name | NEWDOMINION BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28204 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Feb 27, 2019 |
| Property Address | 7119 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Document Number | 0000021712 |
| Book / Page | 033312 / 000518 |
| Instrument Date | Feb 26, 2019 |
| Instrument | 21712 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2019 |
| Title Company | INVESTORS TITLE INSURANCE, INVESTORS TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Tax | $224.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7119 RAMSGATE RD CHARLOTTE NC 28270, CHARLOTTE, NC 28270 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Dec 7, 2018 |
| Property Address | 7119 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Document Number | 0000151905 |
| Book / Page | 033158 / 000856 |
| Instrument Date | Dec 6, 2018 |
| Instrument | 151905 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7132 RAMSGATE RD CHARLOTTE NC 28270, CHARLOTTE, NC 28270 |
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 | $8,154.00 | $1,040,700 Land $308,800 Building $731,900 | $1,040,700 Land $308,800 Building $731,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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