903 Ramsgate Dr SW, Concord, NC 28025 Property Records

Cabarrus County property record for 903 Ramsgate Dr SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,248 sqft · built 2007
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Apr 2020)
Tax Bill	$1,869 (2023)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11045F0107.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0107.000000`
Alternative APNs	`5539 40 4068` `137417`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,248 sqft Living Area
Gross Area	1,600 sqft
1st Floor Area	504 sqft
Upper Floors Area	744 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	105 ft deep x 45 ft wide
Garage Type	Mixed
Garage Area	240 sqft
Driveway	Concrete Driveway
Driveway Area	513 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Patio Area	80 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	137417
Street Address	903 RAMSGATE DR SW
City	CONCORD
State	NC
Zip	28025-9222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2
Legal Description	LT 107 RAMSGATE
Legal Subdivision	RAMSGATE
Legal Lot Number	107
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	Individual Name on Record
Mailing Address	903 RAMSGATE DR SW, CONCORD, NC 28025-9222
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCE CO
Apr 21, 2020	Warranty Deed, Transfer · Conventional Mortgage UWHARRIE BANK
Jul 7, 2017	Warranty Deed, Transfer · Conventional Mortgage UWHARRIE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2020 · Amount on Record
Deed Sale	Apr 21, 2020 · Amount on Record
Prior Sale	Jul 7, 2017 · Amount on Record
Deed Book / Page	14128 / 174
Prior Transfer Date	Apr 20, 2020
Prior Transfer Doc	14128174
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	903 RAMSGATE DR SW, CONCORD, NC 28025-9222
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015742294
Date	Dec 22, 2021
Book Page	15742/294

Lender

Name	CARDINAL FINANCE CO
Type	Lending Institution
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Apr 21, 2020
Property Address	903 RAMSGATE DR SW, CONCORD, NC 28025-9222
Document Number	0014128174
Book / Page	14128 / 174
Map Reference	MB 44 PG 56
Instrument Date	Apr 20, 2020
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1311 LOCUST STREET, 1311, MOORESVILLE, NC 28115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 RAMSGATE DR SW, CONCORD, NC 28025-9222

Mortgage

Document Number	0014128176
Date	Apr 21, 2020
Instrument	14128/176

Lender

Name	UWHARRIE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jul 7, 2017
Property Address	903 RAMSGATE DR SW, CONCORD, NC 28025-9222
Document Number	1257124
Book / Page	012571 / 000024
Instrument Date	Jul 7, 2017
Instrument	17241
Transaction Type	Transfer
Record Updated	Jul 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 RAMSGATE DR SW CONCORD NC 280259222, CONCORD, NC 28025-9222

Mortgage

Document Number	1257126
Date	Jul 7, 2017
Book Page	012571/000026
Instrument	17242

Lender

Name	UWHARRIE BK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 6, 2032

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		$269,950 (-) Land $68,000 Building $201,950
2025		$269,950 (+76.22%) Land $68,000 Building $201,950
2024			$269,950 (+76.22%) Land $68,000 Building $201,950
2023	$1,869.00	$153,190 Land $40,000 Building $113,190	$153,190 Land $40,000 Building $113,190

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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