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2605 Stirrup Ridge Lane

2605 Stirrup Ridge Lane, Charlotte, NC 28270
Sold Oct 27, 2021
$523,500
$459,237 by Atlantic Bay Mortgage Group Ll
Mortgage Due Nov 01, 2051
Sold Jun 29, 2015
$291,500
$233,200 by Bank Of America Na
Mortgage Due Jul 01, 2045
2605 Stirrup Ridge Lane has been categorized by the local assessors in Charlotte, NC as a residential type of property. The building on the property was first built in 1999 and is 25 years old. The home has a total of 5 bedrooms. Residents will have access to 2 full bathrooms. There are 3 partial bathrooms in the home. The building has a total of 2 stories. In addition, 2605 Stirrup Ridge Lane has 2,682 sqft of living area. The living area typically only takes into consideration the heated or air conditioned part of the building. The area measurement of the land has been determined as 6,970 square feet.

Want to learn more? We've sourced additional information from the local assessor's office that we've shared on this page with you. For the features and amenities located on the property. There is a garage for those who require parking. The garage measured 400 sqft. Moving on to the building itself. The condition of the building has been evaluated as average. From what we've gathered, the quality of these control joints have been graded with a letter grade of C by the local assessor. The building has a gable style roof. The exterior walls of the building are made of alum/vinyl siding. The inside of the home is being cooled with central air conditioning at the moment. In terms of heating, it is utilizing a forced air unit and being fueled with gas. There is a single fireplace in the home. Perfect for those wintery nights. The property was last sold in Oct 27, 2021 for $523,500. That's $195.19 per sqft. Prior to that sales transaction, the property was also sold in Jun 26, 2015 for $291,500. 2605 Stirrup Ridge Lane was last assessed in 2023. The total value of the property was assessed at $532,400. Specifically, the land the property is located on was valued at $110,000. While improvements on the property were assessed at a total of $422,400. The total market value for this property is the same as the total assessed value as of this moment. The total amount of taxes due from a property owner is $3,111. If possible, try to put down at least 20% towards the down payment during your home purchasing process. While you may be able to buy a home with less than a 20% down payment, your lender may then require you to pay for a private mortgage insurance (PMI). PMI protects the lenders and lowers their financial risk in case the borrower defaults. Generally, you'll need to pay more PMI when your total loan amount is higher. However, certain factor such as your credit score, loan type, loan term, and loan-to-value ratio can all impact your PMI as well. Unfortunately, this property is not currently listed for sale but our inventory of available properties is constantly updating in real time. Check back frequently for updates.

Building Features

Exterior

Brick Exterior
Vinyl Siding

Parking

Attached Garage
This property description is generated based on publicly available data.

Building Info

Overview

    General

  • Year Built: 1999
  • Effective Year Built: 1999
  • Building Count: 1
  • Bedroom Count: 5
  • Bathroom Count: 3
  • Full Bathrooms: 2
  • Partial Bathrooms: 3
  • Building Condition: Average
  • Building Quality: C
  • Exterior Walls Type: Alum/Vinyl siding
  • Roof Shape Type: Gable
  • Floor Count: 2
  • Living Units: 1
  • Basement Area: 0
  • Garage Type: Garage
  • Garage Square Area: 400
  • Parking Space Count: 0

    Dimensions

  • Lot Size Square Feet: 6,970
  • Total Building Area: 2,682
  • Gross Building Area: 2,682
  • Building Area: 2,682
  • Building Area Measurement: Living Area

    Heating and Cooling

  • Fireplace Count: 1
  • Air Conditioning: Central air conditioning
  • Heating: Forced air unit
  • Heated Square Feet: 2,682
  • Heating Fuel Type: Gas

    Utilities

  • Sewer System: unknown
  • Water Service: unknown

Building

  • Property Class: Residential
  • Subdivision: WILLOWMERE PARCEL
  • Land Acres: 0.16
  • Standard Land Use Code: Single family residential
  • Legal Description 1: L267 M30-983

Ownership

  • Current Owner : CLEYS KEVIN MICHAEL
  • Current Owner 2: CLEYS AMANDA HART
  • Previous Owner : YOUNGERMAN TODD C
  • Previous Owner 2: POSTIGLIONE MARY JANE
  • Owner Before Previous Owner: LOVALLO JOSEPH
  • Owner Before Previous Owner 2: MORAN SHANNON
  • Is Owner Occupied: Owner-occupied property
  • Ownership Rights Codes: Husband and wife

Neighborhood

  • School Tax School District: CHARLOTTE
  • Census Tract: 005851

Zoning

  • Zoning: R-4(CD)

Geography

  • Assessors Map Reference: BK 231 PG 25
  • District: 1
  • Parcel: 231-252-06
  • Block: 2
  • Lot: 267
  • Municipality: CHARLOTTE
  • Latitude: 35.077
  • Longitude: -80.7329

    Address

  • Full Address: 2605 Stirrup Ridge Ln
  • Address - House Number: 2605
  • Address - Street Name: Stirrup Ridge
  • Address - Suffix Type: Ln
  • State: NC
  • City Name: Charlotte
  • Carrier Code: R149
  • 4-Digit Zip Code: 2296
  • Zip Code: 28270

Valuation

    Tax

  • Tax Year: 2022
  • Tax Amount: $3,111
  • Tax Rate Code Area: CITY OF CH

    Appraisal Valuation

  • Standard Deviation: 0.081
  • Valuation Date: Apr 26, 2023
  • Confidence Score: 93
  • Final Value: 450,688
  • High Value: 487,239
  • Low Value: 414,138

    Open Liens

  • Total Open Liens: 1
  • Total Open Liens Amount: $459,237
  • First Open Lien Mortgage Lender: ATLANTIC BAY MORTGAGE GROUP LL
  • First Open Lien Mortgage Recording Date: Oct 27, 2021
  • First Open Lien Mortgage Loan Amount: $459,237
  • First Open Lien Mortgage Term: 360
  • First Open Lien Mortgage Position: 1
  • First Open Lien Mortgage Loan Type: New Conventional
  • First Open Lien Mortgage Loan Due Date: Nov 01, 2051

    Market Valuation

  • Market Total Value: $532,400
  • Market Land Value: $110,000
  • Market Improvement Value: $422,400

    Assessments Valuation

  • Assessed Year: 2023
  • Assessed Total Value: $532,400
  • Assessed Land Value: $110,000
  • Assessed Improvements Value: $422,400

    Sales

  • Current Sale Contract Date: Oct 27, 2021
  • Current Sale Recording Date: Oct 27, 2021
  • Current Sale Transaction ID: 11869282949
  • Current Sale Price: $523,500
  • Current Sale Document Type: Warranty Deed
  • Current Sale Input Document Number: 2021205035
  • Previous Sale Recording Date: Jun 29, 2015
  • Previous Sale Contract Date: Jun 26, 2015
  • Previous Sale Amount: $291,500
  • Previous Sale Document Type: Warranty Deed

    Last Sale Mortgage

  • First Mortgage Lender: ATLANTIC BAY MORTGAGE GROUP LL
  • First Mortgage Transaction Date: Oct 27, 2021
  • First Mortgage Loan Amount: $459,237
  • First Mortgage Terms: 360
  • First Mortgage Loan Type: New Conventional
  • First Mortgage Loan Due Date: Nov 01, 2051

    Previous Mortgages

  • Previous Mortgage Lender: BANK OF AMERICA NA
  • Previous Mortgage Transaction Date: Jun 29, 2015
  • Previous Mortgage Loan Amount: $233,200
  • Previous Mortgage Term: 360
  • Previous Mortgage Loan Type: New Conventional
  • Previous Mortgage Loan Due Date: Jul 01, 2045

About Providence Estates East



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Frequently Asked Questions

What neighborhood is 2605 Stirrup Ridge Lane located in?
The 2605 Stirrup Ridge Lane is a located in the neighborhood of Providence Estates East in Providence Estates East, Charlotte.
What is the average sales price for listings in 2605 Stirrup Ridge Lane?
The average sales price for units in 2605 Stirrup Ridge Lane is $489,900 , or $186/sqft. currently.

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