Union County property record for 323 Todd Cir, Wingate, NC 28174
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,618 sqft · built 1990 |
| Lot Size | 0.578 acres (25,178 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,000 (Sep 2016) |
| Tax Bill | $2,171 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Sep 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-060-046 |
| Primary APN | 09-060-046 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,618 sqft Living Area |
| Gross Area | 2,098 sqft |
| 1st Floor Area | 1,582 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 25,178 sqft (0.578 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 68 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 323 TODD CIR |
|---|---|
| City | WINGATE |
| State | NC |
| Zip | 28174-7783 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-20 WINGA |
| Legal Description | #55 WIND GATE PB6 PG125 |
| Legal Subdivision | WIND GATE SUBDIV |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 20702 |
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 | 323 TODD CIR, WINGATE, NC 28174-7783 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2025 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage FIRST ALLIANCE HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2016 · Amount on Record |
| Deed Sale | Sep 30, 2016 · Amount on Record |
| Deed Document Number | 201630248 |
| Deed Book / Page | 6782 / 715 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 323 TODD CIR, WINGATE, NC 28174-7783 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 323 TODD CIR, WINGATE, NC 28174-7783 |
| Document Number | 0009199700 |
|---|---|
| Date | Sep 16, 2025 |
| Book Page | 9199/700 |
| Instrument | 23856 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 17, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 323 TODD CIR, WINGATE, NC 28174-7783 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2023 |
| Title Company | SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0008783786 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 8783/786 |
| Instrument | 22865 |
| Name | FIRST ALLIANCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CRANFORD, NJ 07016 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
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 | $287,200 (-) Land $62,600 Building $224,600 | $287,200 (-) Land $62,600 Building $224,600 | |
| 2025 | $2,171.00 (-4.23%) | $287,200 (+26.02%) Land $62,600 Building $224,600 | $287,200 (+26.02%) Land $62,600 Building $224,600 |
| 2023 | $2,267.00 | $227,900 Land $14,400 Building $213,500 | $227,900 Land $14,400 Building $213,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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