3705 White Store Rd, Wingate, NC 28174 Property Records

Union County property record for 3705 White Store Rd, Wingate, NC 28174

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,436 sqft · built 2000
Lot Size	1.03 acres (45,259 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (May 2020)
Tax Bill	$981 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-034-014`

Property Details

APN / Parcel Number

Primary APN	`09-034-014`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,436 sqft Living Area
1st Floor Area	1,436 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,259 sqft (1.03 acres)
Deck Area	276 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3705 WHITE STORE RD
City	WINGATE
State	NC
Zip	28174-8721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#2 HAYES OPCB359A
Legal Subdivision	RAYMOND CARROLL HAYES
Legal Lot Number	2
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2023
Census Tract	20702

Owner

3705 White Store Rd is owned and occupied by an individual who bought it in May 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3705 WHITE STORE RD, WINGATE, NC 28174-8721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 9, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
May 7, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 16, 2018	Quit Claim Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2020 · Amount on File
Deed Sale	May 7, 2020 · Amount on File
Prior Sale	Jan 28, 2010 · Amount on File
Deed Document Number	202015634
Deed Book / Page	7661 / 393
Prior Transfer Date	Feb 13, 2018
Prior Transfer Doc	7104768
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3705 WHITE STORE RD, WINGATE, NC 28174-8721
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3705 WHITE STORE RD, WINGATE, NC 28174-8721

Mortgage

Document Number	0008654313
Date	Feb 13, 2023
Book Page	8654/313
Instrument	3232

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Sep 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3705 WHITE STORE RD, WINGATE, NC 28174-8721
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	SOURCEPOINT FULFILLMENT SERVICES, SOURCEPOINT FULFILLMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8199222
Date	Aug 9, 2021
Book Page	8199/222
Instrument	37465

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 7, 2020
Property Address	3705 WHITE STORE RD, WINGATE, NC 28174-8721
Document Number	0007661393
Book / Page	7661 / 393
Map Reference	CAB B FILE 359-A
Instrument Date	May 7, 2020
Instrument	15634
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1624 WITMORE RD, 1624, WINGATE, NC 28174-6772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3705 WHITE STORE RD, WINGATE, NC 28174-8721

Mortgage

Document Number	0000015635
Date	May 7, 2020
Instrument	15635

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	Feb 16, 2018
Property Address	3705 WHITE STORE RD, WINGATE, NC 28174-8721
Document Number	0007104768
Book / Page	7104 / 768
Map Reference	CAB B FILE 359-A
Instrument Date	Feb 13, 2018
Instrument	0004114
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3705 WHITE STORE RD, WINGATE, NC 28174-8721

Mortgage

Document Number	0000004115
Date	Feb 16, 2018
Instrument	0004115

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3705 White Store Rd was $981.

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		$194,000 (-) Land $67,100 Building $126,900	$194,000 (-) Land $67,100 Building $126,900
2025	$981.00	$194,000 Land $67,100 Building $126,900	$194,000 Land $67,100 Building $126,900
2023	$525.00	$80,300 Land $25,200 Building $55,100	$80,300 Land $25,200 Building $55,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3705 White Store Rd 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 3705 White Store Rd 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	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	1,000 / 35

May also be available: Verizon.

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