Mecklenburg County property record for 7201 Ramsgate Rd, Charlotte, NC 28270
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,020 sqft · built 1945 |
| Lot Size | 0.6 acres (26,174 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Jun 2017) |
| Tax Bill | $5,560 (2023) |
| Deeds & Mortgages | Aug 2022 Line of Credit Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 187-221-37 |
| Primary APN | 187-221-37 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,020 sqft Heated Area |
| Gross Area | 2,407 sqft |
| 1st Floor Area | 1,000 sqft |
| Upper Floors Area | 680 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 26,174 sqft (0.6 acres) |
| Porch | Porch |
| Porch Area | 727 sqft |
| Deck Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 187-221-37 |
|---|---|
| Street Address | 7201 RAMSGATE RD |
| City | CHARLOTTE |
| State | NC |
| Zip | 28270-6540 |
| 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 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7201 RAMSGATE RD, CHARLOTTE, NC 28270-6540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Jul 19, 2017 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Jun 21, 2017 | Warranty Deed, Transfer · Conventional Mortgage BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2017 · Amount on Record |
| Deed Sale | Jun 21, 2017 · Amount on Record |
| Prior Sale | Jun 30, 2016 · Amount on Record |
| Deed Document Number | 0003189856 |
| Deed Book / Page | 31898 / 56 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7201 RAMSGATE RD, CHARLOTTE, NC 28270-6540 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 7201 RAMSGATE RD, CHARLOTTE, NC 28270-6540 |
| Document Number | 0000113428 |
|---|---|
| Date | Aug 4, 2022 |
| Book Page | 37551/798 |
| Instrument | 2022113428 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7201 RAMSGATE RD, CHARLOTTE, NC 28270-6540 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000152905 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 35079/510 |
| Instrument | 2020152905 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7201 RAMSGATE RD, CHARLOTTE, NC 28270-6540 |
| Document Number | 0000135743 |
| Book / Page | 032177 / 000454 |
| Instrument Date | Jul 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2017 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 7201 RAMSGATE RD CHARLOTTE NC 282706540, CHARLOTTE, NC 28270-6540 |
| Document Number | 0000135743 |
|---|---|
| Date | Oct 6, 2017 |
| Book Page | 032177/000454 |
| Instrument | 135743 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jun 21, 2017 |
| Property Address | 7201 RAMSGATE RD, CHARLOTTE, NC 28270-6540 |
| Document Number | 0000081970 |
| Book / Page | 031898 / 000056 |
| Instrument Date | Jun 20, 2017 |
| Instrument | 81970 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $650.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7201 RAMSGATE RD CHARLOTTE NC 282706540, CHARLOTTE, NC 28270-6540 |
| Document Number | 81971 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 031898/000059 |
| Instrument | 81971 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 20, 2047 |
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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