108 Smith St, Wingate, NC 28174 Property Records

Union County property record for 108 Smith St, Wingate, NC 28174

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,104 sqft · built 1974
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$211,000 (Mar 2019)
Tax Bill	$2,221 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-242-037`

Property Details

APN / Parcel Number

Primary APN	`02-242-037`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Gross Area	2,136 sqft
Basement Area	1,032 sqft
Finished Basement	1,032 sqft
Unfinished Basement	1,032 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,719 sqft (0.82 acres)
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	108 SMITH ST
City	WINGATE
State	NC
Zip	28174-9619
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-20 WINGA
Legal Description	#4&5 COLLEGE PARK BLKA PB4 PG113
Legal Subdivision	COLLEGE PARK
Legal Block	A
Legal Lot Number	4-5
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3045
Census Tract	20701

Owner

Source: Union County records, as of July 20, 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	108 SMITH ST, WINGATE, NC 28174-9619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Partial Claim Mortgage OUTAMATION INC
Mar 20, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FIN'L
Jun 22, 2018	Warranty Deed, Transfer · Line of Credit LENDINGHOME FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2019 · Amount on Record
Deed Sale	Mar 20, 2019 · Amount on Record
Prior Sale	Jun 22, 2018 · Amount on Record
Deed Document Number	20196969
Deed Book / Page	7333 / 67
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	108 SMITH ST, WINGATE, NC 28174-9619
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SMITH ST, WINGATE, NC 28174-9619

Mortgage

Document Number	0009254694
Date	Nov 26, 2025
Book Page	9254/694
Instrument	31413

Lender

Name	OUTAMATION INC
Type	Non-Lending Institution
Address	SOUTHLAKE, TX 76092

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	305 Months
Due	Apr 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 20, 2019
Property Address	108 SMITH ST, WINGATE, NC 28174-9619
Document Number	733367
Book / Page	007333 / 000067
Instrument Date	Mar 19, 2019
Instrument	6969
Transaction Type	Transfer
Record Updated	Apr 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$422.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 SMITH ST WINGATE NC 281749619, WINGATE, NC 28174-9619

Mortgage

Document Number	733369
Date	Mar 20, 2019
Book Page	007333/000069
Instrument	6970

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 22, 2018
Property Address	108 SMITH ST, WINGATE, NC 28174-9619
Document Number	718219
Book / Page	007182 / 000019
Instrument Date	Jun 22, 2018
Instrument	17243
Transaction Type	Transfer
Record Updated	Jul 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9611 BROOKDALE DR #100-1 CHARLOTTE NC 282158719, 100-1, CHARLOTTE, NC 28215-8719
Investor	Possibly a Property Investor

Mortgage

Document Number	718221
Date	Jun 22, 2018
Book Page	007182/000021
Instrument	17244

Lender

Name	LENDINGHOME FNDG
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Wingate Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,221.00 (+20.84%)	$293,800 (+58.98%) Land $66,500 Building $227,300	$293,800 (+58.98%) Land $66,500 Building $227,300
2023	$1,838.00	$184,800 Land $35,900 Building $148,900	$184,800 Land $35,900 Building $148,900

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 September 14, 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
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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF WINGATE serves 3,950 people · EPA ID NC0190030
Water Source	Purchased surface water from UNION COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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