Union County property record for 3708 Phifer Rd, Wingate, NC 28174
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,512 sqft · built 1990 |
| Lot Size | 10.5 acres (459,210 sqft) |
| Owner | Individual Name on File |
| Last Sale | $298,000 (Jun 2022) |
| Tax Bill | $1,384 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-242-027C |
| Primary APN | 02-242-027C |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Roof Type | Gable |
| Lot Area | 459,210 sqft (10.5 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 3708 PHIFER RD |
|---|---|
| City | WINGATE |
| State | NC |
| Zip | 28174-8279 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-20 WING |
| Legal Description | 8514-0594 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MARSHVILLE |
| Census Block Group | 3 |
| Census Block | 3050 |
| Census Tract | 20701 |
Source: Union County records · APN 02-242-027C
Assessment roll updated March 31, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 3708 PHIFER RD, WINGATE, NC 28174-8279 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2022 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Sep 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 04, 2020 | Deed of Trust, Mortgage · Line of Credit 21ST MORTGAGE CORP |
| May 03, 2018 | Warranty Deed, Transfer · FHA Mortgage OVM FIN'L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 30, 2022 · Amount on Record |
| Deed Sale | Jun 30, 2022 · Amount on Record |
| Prior Sale | May 03, 2018 · Amount on Record |
| Deed Document Number | 202223481 |
| Deed Book / Page | 8514 / 594 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jun 30, 2022 |
| Property Address | 3708 PHIFER RD, WINGATE, NC 28174-8279 |
| Document Number | 0008514594 |
| Book / Page | 8514 / 594 |
| Instrument Date | Jun 30, 2022 |
| Instrument | 23481 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2022 |
| Title Company | INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $596.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2043 YEARDEN LN, 2043, MONROE, NC 28110-9837 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3708 PHIFER RD, WINGATE, NC 28174-8279 |
| Investor | Possibly a Property Investor |
| Document Number | 0000023482 |
|---|---|
| Date | Jun 30, 2022 |
| Instrument | 23482 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 3708 PHIFER RD, WINGATE, NC 28174-8279 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSINGS SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 8237540 |
|---|---|
| Date | Sep 10, 2021 |
| Book Page | 8237/540 |
| Instrument | 42990 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 3708 PHIFER RD, WINGATE, NC 28174-8279 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7691108 |
|---|---|
| Date | Jun 04, 2020 |
| Book Page | 7691/108 |
| Instrument | 19798 |
| Name | 21ST MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | KNOXVILLE, TN 37902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 275 Months |
| Due | May 15, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 03, 2018 |
| Property Address | 3708 PHIFER RD, WINGATE, NC 28174-8279 |
| Document Number | 715063 |
| Book / Page | 007150 / 000063 |
| Instrument Date | May 03, 2018 |
| Instrument | 11889 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $358.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3708 PHIFER RD WINGATE NC 281748279, WINGATE, NC 28174-8279 |
| Document Number | 715066 |
|---|---|
| Date | May 03, 2018 |
| Book Page | 007150/000066 |
| Instrument | 11890 |
| Name | OVM FIN'L |
|---|---|
| Address | CHESAPEAKE, VA 23320 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 02, 2048 |
Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Unified School District | Union County Public Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,384.00 (+71.5%) | $273,500 (+121.82%) Land $132,700 Building $140,800 | $273,500 (+121.82%) Land $132,700 Building $140,800 |
| 2023 | $807.00 | $123,300 Land $79,300 Building $44,000 | $123,300 Land $79,300 Building $44,000 |
Source: FEMA National Flood Hazard Layer as of September 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Uniti Group.
Based on FCC filings for 32 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | UNION COUNTY WATER SYSTEM serves 169,685 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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