128 Smith St, Wingate, NC 28174 Property Records

Union County property record for 128 Smith St, Wingate, NC 28174

Property Summary

Property Type	Rural Home
Details	4 bd · 1.5 ba · 988 sqft · built 1969
Lot Size	0.392 acres (17,076 sqft)
Owner	Individual Name on Record
Last Sale	$111,140 (Apr 2005)
Tax Bill	$1,583 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-242-042`

Property Details

APN / Parcel Number

Primary APN	`02-242-042`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Basement Area	506 sqft
Finished Basement	506 sqft
Unfinished Basement	506 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,076 sqft (0.392 acres)
Deck Area	358 sqft
Patio Area	358 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	128 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	#9 COLLEGE PARK BLKA 8587-0684
Legal Subdivision	COLLEGE PARK
Legal Block	A
Legal Lot Number	9
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	128 SMITH ST, WINGATE, NC 28174-9619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed of Trust, Mortgage · Partial Claim Mortgage ROCKET MORTGAGE LLC
Feb 29, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 10, 2022	Intrafamily Transfer, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2005 · Amount on Record
Deed Sale	Apr 12, 2005 · Amount on Record
Prior Sale	Nov 25, 2002 · Amount on Record
Deed Document Number	200568535
Deed Book / Page	3745 / 642
Last Transfer Date	Oct 5, 2022
Transfer Doc	0008587684
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	128 SMITH ST, WINGATE, NC 28174-9619
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 SMITH ST, WINGATE, NC 28174-9619

Mortgage

Document Number	0009263859
Date	Dec 11, 2025
Book Page	9263/859
Instrument	32791

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Nov 1, 2052

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	128 SMITH ST, WINGATE, NC 28174-9619
Transaction Type	Mortgage
Record Updated	Mar 19, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 SMITH ST, WINGATE, NC 28174-9619

Mortgage

Document Number	0008861198
Date	Feb 29, 2024
Book Page	8861/198
Instrument	4388

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Nov 1, 2052

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Oct 10, 2022
Property Address	128 SMITH ST, WINGATE, NC 28174-9619
Document Number	0008587684
Book / Page	8587 / 684
Instrument Date	Oct 5, 2022
Instrument	34923
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	AMROCK INC, AMROCK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	128 SMITH ST, 128, WINGATE, NC 28174-9619

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034924
Date	Oct 10, 2022
Instrument	34924

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

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		$209,400 (-) Land $64,200 Building $145,200	$209,400 (-) Land $64,200 Building $145,200
2025	$1,583.00 (+5.67%)	$209,400 (+39.04%) Land $64,200 Building $145,200	$209,400 (+39.04%) Land $64,200 Building $145,200
2023	$1,498.00	$150,600 Land $34,400 Building $116,200	$150,600 Land $34,400 Building $116,200

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 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	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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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