2802 Cedar Trail Ln, Wingate, NC 28174 Property Records

Union County property record for 2802 Cedar Trail Ln, Wingate, NC 28174

Property Summary

Property Type	Single Family Home
Lot Size	2.42 acres (105,546 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jun 2021)
Tax Bill	$409 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-230-046`

Property Details

APN / Parcel Number

Primary APN	`02-230-046`

Exterior

Lot Area	105,546 sqft (2.42 acres)
Shed	1 Shed

Location & Zoning

Street Address	2802 CEDAR TRAIL LN
City	WINGATE
State	NC
Zip	28174-8235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#36 OLIVE BRANCH ESTATES OPCA167A
Legal Subdivision	OLIVE BRANCH ESTATES
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3001
Census Tract	20701

Owner

2802 Cedar Trail Ln is owned and occupied by two individuals who bought it in June 2021.

Source: Union County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2802 CEDAR TRAIL LN, WINGATE, NC 28174-8235
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 18, 2021	Warranty Deed, Transfer TRYON TITLE AGENCY LLC
Jul 31, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2021 · Amount on File
Deed Sale	Jun 18, 2021 · Amount on File
Prior Sale	Jun 28, 2004 · Amount on File
Deed Document Number	202129047
Deed Book / Page	8142 / 270
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2802 CEDAR TRAIL LN, WINGATE, NC 28174-8235
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008423239
Date	Mar 11, 2022
Book Page	8423/239
Instrument	9291

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 18, 2021
Property Address	2802 CEDAR TRAIL LN, WINGATE, NC 28174-8235
Document Number	0008142270
Book / Page	8142 / 270
Map Reference	CAB A FILE 167-A
Instrument Date	Jun 18, 2021
Instrument	29047
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	TRYON TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1708 NASH RD, WINGATE, NC 28174-8708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2509 COLTSGATE RD, WAXHAW, NC 28173-8274

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2802 CEDAR TRAIL LN, WINGATE, NC 28174-8235
Document Number	7761125
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Sep 4, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2802 CEDAR TRAIL LN WINGATE NC 281748235, WINGATE, NC 28174-8235

Mortgage

Document Number	7761125
Date	Aug 5, 2020
Book Page	007761/000125
Instrument	29575

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	MONROE, NC 28111

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2802 Cedar Trail Ln was $409.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,000 (-) Land $78,500 Building $2,500	$81,000 (-) Land $78,500 Building $2,500
2025	$409.00	$81,000 Land $78,500 Building $2,500	$81,000 Land $78,500 Building $2,500
2023	$297.00	$45,400 Land $42,900 Building $2,500	$45,400 Land $42,900 Building $2,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2802 Cedar Trail Ln 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

Wildfire risk around 2802 Cedar Trail Ln is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cedar Trail Ln

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