3810 Phifer Rd, Wingate, NC 28174 Property Records

Union County property record for 3810 Phifer Rd, Wingate, NC 28174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,372 sqft · built 1955
Lot Size	7.04 acres (306,662 sqft)
Owner	2 Individual Names on File
Last Sale	$72,000 (Dec 2018)
Tax Bill	$1,418 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Dec 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-242-025`

Property Details

APN / Parcel Number

Primary APN	`02-242-025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,372 sqft Living Area
1st Floor Area	1,372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	306,662 sqft (7.04 acres)
Porch	Slab
Porch Area	340 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3810 PHIFER RD
City	WINGATE
State	NC
Zip	28174-8206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-20 WING
Legal Description	7292-253
Jurisdiction	UNION NC
Township / Civil Division	MARSHVILLE
Census Block Group	3
Census Block	3050
Census Tract	20701

Owner

3810 Phifer Rd is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3810 PHIFER RD, WINGATE, NC 28174-8206
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage VICTORIA FINCH
Dec 31, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2018 · Amount on File
Deed Sale	Dec 31, 2018 · Amount on File
Deed Document Number	201835641
Deed Book / Page	7292 / 253
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3810 PHIFER RD, WINGATE, NC 28174-8206
Document Number	7292257
Instrument Date	Dec 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 21, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3810 PHIFER RD WINGATE NC 281748206, WINGATE, NC 28174-8206

Mortgage

Document Number	7292257
Date	Dec 31, 2018
Book Page	007292/000257
Instrument	35642

Lender

Name	VICTORIA FINCH
Address	906 DEESE RD, MONROE, NC 28110-8724

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	144 Months
Due	Dec 30, 2030

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Dec 31, 2018
Property Address	3810 PHIFER RD, WINGATE, NC 28174-8206
Document Number	7292253
Book / Page	007292 / 000253
Instrument Date	Dec 12, 2018
Instrument	35641
Transaction Type	Transfer
Record Updated	Jan 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$144.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	906 DEESE RD MONROE NC 281108724, MONROE, NC 28110-8724

Tax Assessment & Valuation

The 2025 property tax bill for 3810 Phifer Rd was $1,418.

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		$280,300 (-) Land $97,000 Building $183,300	$280,300 (-) Land $97,000 Building $183,300
2025	$1,418.00	$280,300 Land $97,000 Building $183,300	$280,300 Land $97,000 Building $183,300
2023	$1,125.00	$171,900 Land $61,300 Building $110,600	$171,900 Land $61,300 Building $110,600

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

Flood

FEMA maps place 3810 Phifer 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 3810 Phifer 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 95% of the US · lower than 97.4% 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 32 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

May also be available: Windstream.

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