3517 Phifer Rd, Wingate, NC 28174 Property Records

Union County property record for 3517 Phifer Rd, Wingate, NC 28174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,685 sqft · built 1969
Lot Size	2.3 acres (100,188 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (May 2022)
Tax Bill	$2,629 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`02-242-021B`

Property Details

APN / Parcel Number

Primary APN	`02-242-021B`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	3,685 sqft Living Area
Gross Area	3,503 sqft
1st Floor Area	2,753 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Contemporary
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	100,188 sqft (2.3 acres)
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3517 PHIFER RD
City	WINGATE
State	NC
Zip	28174-9642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-20 WING
Legal Description	8490-118
Jurisdiction	UNION NC
Township / Civil Division	MARSHVILLE
Census Block Group	3
Census Block	3036
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	3517 PHIFER RD, WINGATE, NC 28174-9642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Dec 8, 2017	Loan Modification, Mortgage · Conventional Mortgage PLATINUM HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2022 · Amount on Record
Deed Sale	May 31, 2022 · Amount on Record
Prior Sale	Oct 27, 2014 · Amount on Record
Deed Document Number	202219643
Deed Book / Page	8490 / 118
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 31, 2022
Property Address	3517 PHIFER RD, WINGATE, NC 28174-9642
Document Number	0008490118
Book / Page	8490 / 118
Instrument Date	May 31, 2022
Instrument	19643
Transaction Type	Transfer
Record Updated	Jun 9, 2022
Title Company	NOT AVAILABLE, INVESTORS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	399 PAUL SWAFFORD LN, 399, FRANKLIN, NC 28734-5990

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3517 PHIFER RD, WINGATE, NC 28174-9642

Mortgage

Document Number	0000019644
Date	May 31, 2022
Instrument	19644

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

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

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	3517 PHIFER RD, WINGATE, NC 28174-9642
Document Number	7091757
Book / Page	007091 / 000757
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Feb 15, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3517 PHIFER RD WINGATE NC 281749642, WINGATE, NC 28174-9642

Mortgage

Document Number	7091757
Date	Jan 24, 2018
Book Page	007091/000757
Instrument	1886

Lender

Name	PLATINUM HM MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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		$519,500 (-) Land $61,800 Building $457,700	$519,500 (-) Land $61,800 Building $457,700
2025	$2,629.00 (+37.93%)	$519,500 (+78.46%) Land $61,800 Building $457,700	$519,500 (+78.46%) Land $61,800 Building $457,700
2023	$1,906.00	$291,100 Land $33,200 Building $257,900	$291,100 Land $33,200 Building $257,900

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 94% of the US · lower than 96% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 18 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

May also be available: T-Mobile.

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