Union County property record for 220 Smith St, Wingate, NC 28174
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,488 sqft · built 1976 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,179 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-242-049 |
| Primary APN | 02-242-049 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,488 sqft Living Area |
| Gross Area | 1,460 sqft |
| 1st Floor Area | 1,460 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 17,860 sqft (0.41 acres) |
| Garage Type | Detached |
| Garage Area | 1,248 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Porch Area | 491 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 220 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-16 COLLEGE PARK 220 SMITH ST |
| Legal Subdivision | COLLEGE PARK |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3045 |
| Census Tract | 20701 |
220 Smith St, a rural home, is owned and occupied by two individuals.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 220 SMITH ST, WINGATE, NC 28174-9620 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 3, 2017 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU |
| May 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 220 SMITH ST, WINGATE, NC 28174-9620 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0006905738 |
|---|---|
| Date | Apr 3, 2017 |
| Book Page | 6905/738 |
| Instrument | 0009054 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 217 Months |
| Due | May 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 220 SMITH ST, WINGATE, NC 28174-9620 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0007383382 |
|---|---|
| Date | May 31, 2019 |
| Book Page | 7383/382 |
| Instrument | 0015038 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 362 Months |
| Due | Jul 1, 2049 |
The 2025 property tax bill for 220 Smith St was $2,179.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Wingate Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $288,300 (-) Land $64,300 Building $224,000 | $288,300 (-) Land $64,300 Building $224,000 | |
| 2025 | $2,179.00 | $288,300 Land $64,300 Building $224,000 | $288,300 Land $64,300 Building $224,000 |
| 2023 | $1,881.00 | $189,100 Land $34,400 Building $154,700 | $189,100 Land $34,400 Building $154,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 220 Smith St in Zone X, an area of minimal flood risk.
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 risk around 220 Smith St is low, with a 0.02% annual chance of 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.
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 |
| 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.
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 |
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