Union County property record for 513 Todd Cir, Wingate, NC 28174
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 1,663 sqft · built 1987 |
| Lot Size | 0.687 acres (29,926 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Jun 2021) |
| Tax Bill | $2,994 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage May 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-060-057 |
| Primary APN | 09-060-057 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,663 sqft Living Area |
| Gross Area | 2,167 sqft |
| 1st Floor Area | 1,663 sqft |
| Basement Area | 1,663 sqft |
| Unfinished Basement | 1,663 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 29,926 sqft (0.687 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 126 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 513 TODD CIR |
|---|---|
| City | WINGATE |
| State | NC |
| Zip | 28174-9505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-20 WINGA |
| Legal Description | #44 WIND GATE ESTATES PB6 PG125 |
| Legal Subdivision | WIND GATE SUBDIV |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 20702 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 513 TODD CIR, WINGATE, NC 28174-9505 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2024 | Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC |
| May 23, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 25, 2021 | Warranty Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Jan 29, 2020 | Warranty Deed, Transfer · Commercial Mortgage BUFFALO CREEK INVESTMENTS INC |
| Apr 10, 2019 | Warranty Deed, Transfer OTHER INSTITUTIONAL LENDERS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2021 · Amount on Record |
| Deed Sale | Jun 25, 2021 · Amount on Record |
| Prior Sale | Jan 29, 2020 · Amount on Record |
| Deed Document Number | 202130250 |
| Deed Book / Page | 8149 / 872 |
| Prior Transfer Date | Sep 12, 2003 |
| Prior Transfer Doc | 0000048889 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 513 TODD CIR, WINGATE, NC 28174-9505 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 513 TODD CIR, WINGATE, NC 28174-9505 |
| Document Number | 0008873797 |
|---|---|
| Date | Mar 25, 2024 |
| Book Page | 8873/797 |
| Instrument | 6402 |
| Name | LOANCARE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23453 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 328 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 513 TODD CIR, WINGATE, NC 28174-9505 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 513 TODD CIR, WINGATE, NC 28174-9505 |
| Document Number | 0008713136 |
|---|---|
| Date | May 23, 2023 |
| Book Page | 8713/136 |
| Instrument | 12132 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 338 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jun 25, 2021 |
| Property Address | 513 TODD CIR, WINGATE, NC 28174-9505 |
| Document Number | 8149872 |
| Book / Page | 8149 / 872 |
| Map Reference | CAB 6 FILE 125 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 30250 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4616 GOLDMINE RD, 4616, MONROE, NC 28110-9372 |
| Name | Verified Name |
|---|---|
| Address | 513 TODD CIR, WINGATE, NC 28174-9505 |
| Document Number | 30251 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 30251 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jan 29, 2020 |
| Property Address | 513 TODD CIR, WINGATE, NC 28174-9505 |
| Document Number | 0007573495 |
| Book / Page | 7573 / 495 |
| Map Reference | CAB 6 FILE 125 |
| Instrument Date | Jan 28, 2020 |
| Instrument | 0003120 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6625 KENNEDY DR, 6625, INDIAN TRAIL, NC 28079-8841 |
| Name | Verified Name |
|---|---|
| Address | 6622 WOODLAWN LN, INDIAN TRAIL, NC 28079-8511 |
| Document Number | 0000003121 |
|---|---|
| Date | Jan 29, 2020 |
| Instrument | 0003121 |
| Name | BUFFALO CREEK INVESTMENTS INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 10, 2019 |
| Property Address | 513 TODD CIR, WINGATE, NC 28174-9505 |
| Document Number | 734727 |
| Book / Page | 007347 / 000027 |
| Instrument Date | Apr 10, 2019 |
| Instrument | 9228 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $203.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6625 KENNEDY DR INDIAN TRAIL NC 280798841, INDIAN TRAIL, NC 28079-8841 |
| Document Number | 734729 |
|---|---|
| Date | Apr 10, 2019 |
| Book Page | 007347/000029 |
| Instrument | 9229 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | MARSHVILLE, NC 28103 |
| Special Notes | Seller Financed |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 9, 2049 |
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 | $396,000 (-) Land $63,600 Building $332,400 | $396,000 (-) Land $63,600 Building $332,400 | |
| 2025 | $2,994.00 (+22.91%) | $396,000 (+61.7%) Land $63,600 Building $332,400 | $396,000 (+61.7%) Land $63,600 Building $332,400 |
| 2023 | $2,436.00 | $244,900 Land $17,100 Building $227,800 | $244,900 Land $17,100 Building $227,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
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 129 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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