3609 White Store Rd, Wingate, NC 28174 Property Records

Union County property record for 3609 White Store Rd, Wingate, NC 28174

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,280 sqft · built 2006
Lot Size	2.79 acres (121,532 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Apr 2016)
Tax Bill	$2,477 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Dec 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-034-003A`

Property Details

APN / Parcel Number

Primary APN	`09-034-003A`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,280 sqft Living Area
1st Floor Area	2,280 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Modular
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	121,532 sqft (2.79 acres)
Garage Type	Detached
Garage Area	1,380 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	300 sqft
Deck Area	456 sqft
Patio Area	456 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3609 WHITE STORE RD
City	WINGATE
State	NC
Zip	28174-8712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	6661-196
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2009
Census Tract	20702

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	3609 WHITE STORE RD, WINGATE, NC 28174-8712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
May 8, 2020	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 9, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 20, 2017	Deed of Trust, Mortgage · Conventional with PMI OCEANSIDE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2016 · Amount on Record
Deed Sale	Apr 26, 2016 · Amount on Record
Prior Sale	Jun 6, 2012 · Amount on Record
Deed Document Number	201611130
Deed Book / Page	6661 / 196
Prior Transfer Date	Jun 4, 2012
Prior Transfer Doc	5750663
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3609 WHITE STORE RD, WINGATE, NC 28174-8712
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	NOT AVAILABLE, CLIENTFIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008754486
Date	Jul 31, 2023
Book Page	8754/486
Instrument	18345

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3609 WHITE STORE RD, WINGATE, NC 28174-8712
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008631124
Date	Dec 27, 2022
Book Page	8631/124
Instrument	41782

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3609 WHITE STORE RD, WINGATE, NC 28174-8712
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007662185
Date	May 8, 2020
Book Page	7662/185
Instrument	15761

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Jun 1, 2047

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3609 WHITE STORE RD, WINGATE, NC 28174-8712
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007988171
Date	Feb 12, 2021
Book Page	7988/171
Instrument	6729

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3609 WHITE STORE RD, WINGATE, NC 28174-8712
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008308598
Date	Nov 9, 2021
Book Page	8308/598
Instrument	53484

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 23, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3609 WHITE STORE RD, WINGATE, NC 28174-8712
Document Number	695880
Book / Page	006958 / 000080
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Oct 27, 2017
Title Company	ORCHARD STREET SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3609 WHITE STORE RD WINGATE NC 281748712, WINGATE, NC 28174-8712

Mortgage

Document Number	695880
Date	Jun 22, 2017
Book Page	006958/000080
Instrument	17607

Lender

Name	OCEANSIDE MTG
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2047

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		$489,600 (-) Land $74,800 Building $414,800	$489,600 (-) Land $74,800 Building $414,800
2025	$2,477.00 (+12.44%)	$489,600 (+45.54%) Land $74,800 Building $414,800	$489,600 (+45.54%) Land $74,800 Building $414,800
2023	$2,203.00	$336,400 Land $36,400 Building $300,000	$336,400 Land $36,400 Building $300,000

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 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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