120 Smith St, Wingate, NC 28174 Property Records

Union County property record for 120 Smith St, Wingate, NC 28174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,144 sqft · built 1970
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$2,567 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-242-040`

Property Details

APN / Parcel Number

Primary APN	`02-242-040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,144 sqft Living Area
Gross Area	3,246 sqft
1st Floor Area	2,144 sqft
Basement Area	464 sqft
Finished Basement	464 sqft
Unfinished Basement	464 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	200 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	120 SMITH ST
City	WINGATE
State	NC
Zip	28174-9619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20 WINGA
Legal Description	7-8 BLK A COLLEGE PK PB4 PG113
Legal Subdivision	COLLEGE PARK
Legal Block	A
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3045
Census Tract	20701

Owner

Source: Union County records, as of October 20, 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	120 SMITH ST, WINGATE, NC 28174-9619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 17, 2019	Intrafamily Transfer, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2019
Deed Sale	Sep 17, 2019
Prior Sale	Sep 19, 2013 · Amount on Record
Deed Document Number	201927978
Deed Book / Page	7466 / 193
Prior Transfer Date	Sep 10, 2019
Prior Transfer Doc	7466193
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	120 SMITH ST, WINGATE, NC 28174-9619
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 SMITH ST, WINGATE, NC 28174-9619

Mortgage

Document Number	0008202711
Date	Aug 12, 2021
Book Page	8202/711
Instrument	37982

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Oct 1, 2049

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Sep 17, 2019
Property Address	120 SMITH ST, WINGATE, NC 28174-9619
Document Number	0007466193
Book / Page	7466 / 193
Map Reference	MB 4 PG 113
Instrument Date	Sep 10, 2019
Instrument	0027978
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 SMITH ST, WINGATE, NC 28174-9619

Mortgage

Document Number	0000027979
Date	Sep 17, 2019
Instrument	0027979

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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
2026		$339,600 (-) Land $67,400 Building $272,200	$339,600 (-) Land $67,400 Building $272,200
2025	$2,567.00 (+17.91%)	$339,600 (+55.21%) Land $67,400 Building $272,200	$339,600 (+55.21%) Land $67,400 Building $272,200
2023	$2,177.00	$218,800 Land $36,500 Building $182,300	$218,800 Land $36,500 Building $182,300

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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