896 Ramsgate Dr SW, Concord, NC 28025 Property Records

Cabarrus County property record for 896 Ramsgate Dr SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,978 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$188,600 (Jun 2011)
Tax Bill	$2,323 (2023)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11045F0111.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0111.000000`
Alternative APNs	`5539 40 2045` `82063`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,978 sqft Living Area
Gross Area	2,464 sqft
1st Floor Area	818 sqft
Upper Floors Area	1,160 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	115 ft deep x 32 ft wide
Garage Type	Mixed
Garage Area	342 sqft
Driveway	Concrete Driveway
Driveway Area	800 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Patio Area	80 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	82063
Street Address	896 RAMSGATE DR SW
City	CONCORD
State	NC
Zip	28025-9225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2
Legal Description	LT 111 RAMSGATE
Legal Subdivision	RAMSGATE
Legal Lot Number	111
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	5
Census Block	5008
Census Tract	40501

Owner

Source: Cabarrus County records, as of August 27, 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	896 RAMSGATE DR SW, CONCORD, NC 28025-9225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2011 · Amount on Record
Deed Sale	Jun 2, 2011 · Amount on Record
Prior Sale	Dec 28, 2006 · Amount on Record
Deed Book / Page	9594 / 22
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	896 RAMSGATE DR SW, CONCORD, NC 28025-9225
Document Number	1344368
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	Apr 8, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	896 RAMSGATE DR SW CONCORD NC 280259225, CONCORD, NC 28025-9225

Mortgage

Document Number	1344368
Date	Apr 2, 2019
Book Page	013443/000068
Instrument	7695

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Concord City
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$298,220 (+56.64%) Land $68,000 Building $230,220
2024			$298,220 (+56.64%) Land $68,000 Building $230,220
2023	$2,323.00	$190,380 Land $40,000 Building $150,380	$190,380 Land $40,000 Building $150,380

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 1, 2026 · 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 7 (15% premium discount)
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CONCORD serves 120,771 people · EPA ID NC0113010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2017
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 565 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber, Verizon.

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