9430 Ridgeforest Dr, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 9430 Ridgeforest Dr, Charlotte, NC 28277

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,401 sqft · built 2007
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Aug 2013)
Tax Bill	$4,521 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`229-376-29`

Property Details

APN / Parcel Number

Primary APN	`229-376-29`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,401 sqft Living Area
1st Floor Area	1,028 sqft
Upper Floors Area	1,373 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	6,011 sqft (0.138 acres)
Garage Area	524 sqft
Porch	Porch
Porch Area	258 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9430 RIDGEFOREST DR
City	CHARLOTTE
State	NC
Zip	28277-3649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L60 M45-728
Legal Subdivision	ARDREY WOODS
Legal Block	6
Legal Lot Number	60
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2015
Census Tract	5864

Owner

Source: Mecklenburg County records, as of October 13, 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	9430 RIDGEFOREST DR, CHARLOTTE, NC 28277-3649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 10, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 2, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Mar 26, 2018	Deed of Trust, Mortgage · Conventional with PMI WFB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2013 · Amount on Record
Deed Sale	Aug 30, 2013 · Amount on Record
Prior Sale	Jul 24, 2007 · Amount on Record
Deed Document Number	2013140326
Deed Book / Page	28664 / 992
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	9430 RIDGEFOREST DR, CHARLOTTE, NC 28277-3649
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000196220
Date	Oct 13, 2021
Book Page	36641/955
Instrument	2021196220

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	9430 RIDGEFOREST DR, CHARLOTTE, NC 28277-3649
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9430 RIDGEFOREST DR, CHARLOTTE, NC 28277-3649

Mortgage

Document Number	0000004687
Date	Jan 10, 2022
Book Page	36954/116
Instrument	2022004687

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	9430 RIDGEFOREST DR, CHARLOTTE, NC 28277-3649
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053400
Date	May 2, 2018
Book Page	32649/825
Instrument	2018053400

Lender

Name	SUNTRUST BANK
Type	Bank
Address	NASHVILLE, TN 37214

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	363 Months
Due	Aug 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	9430 RIDGEFOREST DR, CHARLOTTE, NC 28277-3649
Document Number	0000038572
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9430 RIDGEFOREST DR CHARLOTTE NC 282773649, CHARLOTTE, NC 28277-3649

Mortgage

Document Number	0000038572
Date	Apr 2, 2018
Book Page	032573/000709
Instrument	38572

Lender

Name	WFB NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,521.00	$566,900 Land $132,000 Building $434,900	$566,900 Land $132,000 Building $434,900

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 October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	5 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 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LAMPLIGHTER SOUTH-DANBY private · serves 3,297 people · EPA ID NC0160156
Water Source	Purchased surface water from LANCASTER COUNTY W&SD
Last State Inspection	Sep 2025
Also Mapped Here	UNION COUNTY WATER SYSTEM
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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