Mecklenburg County property record for 7131 Ramsgate Rd, Charlotte, NC 28270
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,482 sqft · built 1983 |
| Lot Size | 0.557 acres (24,287 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Jan 2016) |
| Tax Bill | $5,868 (2023) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 187-221-44 |
| Primary APN | 187-221-44 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,482 sqft Heated Area |
| 1st Floor Area | 1,250 sqft |
| Upper Floors Area | 1,232 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 24,287 sqft (0.557 acres) |
| Deck Area | 192 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 187-221-44 |
|---|---|
| Street Address | 7131 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 | DIST:1 CITY/MUNI/TWP:CHARLOTTE MAP REF:BK 187 PG 22 |
| Legal Subdivision | SIR JOHNS HILL CONDO |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7131 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2016 · Amount on File |
| Deed Sale | Jan 6, 2016 · Amount on File |
| Deed Document Number | 0030522870 |
| Deed Book / Page | 30522 / 870 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7131 RAMSGATE RD, CHARLOTTE, NC 28270-6538 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000194639 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 36632/492 |
| Instrument | 2021194639 |
| Name | ALLEN TATE MORTGAGE PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
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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