Union County property record for 403 N Main St, Wingate, NC 28174
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,356 sqft · built 2007 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $123,500 (Feb 2016) |
| Tax Bill | $2,462 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-019-068B |
| Primary APN | 09-019-068B |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| 1st Floor Area | 1,356 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 26,572 sqft (0.61 acres) |
| Porch | Slab |
| Porch Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 403 N MAIN ST |
|---|---|
| City | WINGATE |
| State | NC |
| Zip | 28174-7791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-20 WINGA |
| Legal Description | #3 STARNES OPCG737 |
| Legal Subdivision | JAMES E AND CAROL M STARNES PROPERTY |
| Legal Lot Number | 3 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 20701 |
403 N Main St, a rural home, is owned by two individuals who bought it in February 2016.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6715 WESLEY GLEN DR, WAXHAW, NC 28173-2300 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2016 · Amount on File |
| Deed Sale | Feb 24, 2016 · Amount on File |
| Prior Sale | Feb 25, 2008 · Amount on File |
| Deed Document Number | 20164614 |
| Deed Book / Page | 6620 / 468 |
| Prior Transfer Date | Feb 17, 2007 |
| Prior Transfer Doc | 4469722 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 403 N MAIN ST, WINGATE, NC 28174-7791 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7906873 |
|---|---|
| Date | Dec 2, 2020 |
| Book Page | 7906/873 |
| Instrument | 50054 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75243 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 403 N Main St was $2,462.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Wingate Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $325,700 (-) Land $62,900 Building $262,800 | $325,700 (-) Land $62,900 Building $262,800 | |
| 2025 | $2,462.00 | $325,700 Land $62,900 Building $262,800 | $325,700 Land $62,900 Building $262,800 |
| 2023 | $2,037.00 | $204,800 Land $15,200 Building $189,600 | $204,800 Land $15,200 Building $189,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 N Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 403 N Main St 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 80% of the US · lower than 76% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF WINGATE serves 3,950 people · EPA ID NC0190030 |
|---|---|
| Water Source | Purchased surface water from UNION COUNTY WATER SYSTEM |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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