204 Smith St, Wingate, NC 28174 Property Records

Union County property record for 204 Smith St, Wingate, NC 28174

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,470 sqft · built 1977
Lot Size	0.402 acres (17,511 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,949 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-242-046`

Property Details

APN / Parcel Number

Primary APN	`02-242-046`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,470 sqft Living Area
Gross Area	1,500 sqft
1st Floor Area	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,511 sqft (0.402 acres)

Exterior Amenities

Porch	Slab
Porch Area	428 sqft
Deck Area	202 sqft
Patio Area	202 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	204 SMITH ST
City	WINGATE
State	NC
Zip	28174-9620
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-20 WINGA
Legal Description	A-13 COLLEGE PARK 204 SMITH ST
Legal Subdivision	COLLEGE PARK
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	2 Individual Names on Record
Mailing Address	204 SMITH ST, WINGATE, NC 28174-9620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	204 SMITH ST, WINGATE, NC 28174-9620
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000879471
Date	Oct 10, 2023
Book Page	8794/71
Instrument	24616

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$257,900 (-) Land $64,200 Building $193,700	$257,900 (-) Land $64,200 Building $193,700
2025	$1,949.00 (+18.84%)	$257,900 (+56.4%) Land $64,200 Building $193,700	$257,900 (+56.4%) Land $64,200 Building $193,700
2023	$1,640.00	$164,900 Land $34,400 Building $130,500	$164,900 Land $34,400 Building $130,500

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 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.02% 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 44 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