109 Gardner St, Hickory, NC 28601 Property Records

Burke County property record for 109 Gardner St, Hickory, NC 28601

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,284 sqft · built 1901
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,072 (2026)
Deeds & Mortgages	Apr 2026 Construction Loan Apr 2026 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2774835924`

Property Details

APN / Parcel Number

Primary APN	`2774835924`
Alternative APN	`23838`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	1,284 sqft
Basement Area	565 sqft
Unfinished Basement	565 sqft
Flooring	Tile

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)

Exterior Amenities

Porch	Slab
Porch Area	75 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 GARDNER ST
City	HICKORY
State	NC
Zip	28601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NO ZONING
Legal Description	109 GARDNER ST HICKORY, NC 28601
Legal Subdivision	PACIFIC MILLS
Jurisdiction	BURKE NC
Township / Civil Division	ICARD
Census Block Group	1
Census Block	1025
Census Tract	21000

Owner

Source: Burke County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 301, RHODHISS, NC 28667-0301
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust · Construction Mortgage LAKEVIEW LOAN SERVICING
Apr 6, 2026	Deed of Trust, Mortgage · Construction Mortgage LAKEVIEW LOAN SERVICING
Jul 28, 2023	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 11, 2021	Warranty Deed, Transfer
Aug 14, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2023
Deed Sale	Jul 28, 2023
Prior Sale	Mar 11, 2021 · Amount on Record
Deed Document Number	202323006895
Deed Book / Page	2697 / 632
Prior Transfer Date	Jul 24, 2023
Prior Transfer Doc	0026970632
Record Updated	Oct 29, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Apr 6, 2026
Property Address	109 GARDNER ST, HICKORY, NC 28601
Document Number	0026002920
Book / Page	2864 / 341
Instrument Date	Apr 1, 2026
Instrument	202626002920
Record Updated	Apr 14, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	109 GARDNER ST, HICKORY, NC 28601

Mortgage

Document Number	0026002920,
Date	Apr 6, 2026
Book Page	2864/341
Instrument	202626002920

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Apr 6, 2026
Property Address	109 GARDNER ST, HICKORY, NC 28601
Document Number	0028640341
Book / Page	2864 / 341
Instrument Date	Apr 1, 2026
Instrument	202626002920
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	109 GARDNER ST, HICKORY, NC 28601

Mortgage

Document Number	0026002920,
Date	Apr 6, 2026
Book Page	2864/341
Instrument	202626002920

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BURKE NC
Recording Date	Jul 28, 2023
Property Address	109 GARDNER ST, HICKORY, NC 28601
Document Number	0026970632
Book / Page	2697 / 632
Map Reference	MB 3 PG 92
Instrument Date	Jul 24, 2023
Instrument	2023006895
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 GARDNER ST, HICKORY, NC 28601

Mortgage

Document Number	2023006896
Date	Jul 28, 2023
Instrument	2023006896

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2048

Interest

Change Frequency	2 Years

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Mar 11, 2021
Property Address	109 GARDNER ST, HICKORY, NC 28601
Document Number	0025250221
Book / Page	2525 / 221
Map Reference	MB 3 PG 92
Instrument Date	Mar 11, 2021
Instrument	2021002710
Transaction Type	Transfer
Record Updated	Oct 20, 2021

Transaction

Amount	Amount Recorded
Tax	$156.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 CATAWBA AVENUE, 303, NEWPORT NEWS, VA 23601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 GARDEN DR, NEWPORT NEWS, VA 23607

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BURKE NC
Recording Date	Aug 14, 2017
Property Address	109 GARDNER ST, HICKORY, NC 28601
Document Number	0023060316
Book / Page	002306 / 000316
Instrument Date	Aug 11, 2017
Instrument	7252
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$44.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	303 CATAWBA AVE HICKORY NC 286017182, HICKORY, NC 28601-7182

Tax Assessment & Valuation

Source: Burke County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Municipality	Rhodhiss Town
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,072.00 (+0.47%)	$90,339 (-) Land $6,720 Building $83,619	$90,339 (-) Land $6,720 Building $83,619
2025	$1,067.00 (-0.09%)	$90,339 (-) Land $6,720 Building $83,619	$90,339 (-) Land $6,720 Building $83,619
2023	$1,068.00 (+8.43%)	$90,339 (+24.43%) Land $6,720 Building $83,619	$90,339 (+24.43%) Land $6,720 Building $83,619
2022	$985.00	$72,603 Land $6,720 Building $65,883	$72,603 Land $6,720 Building $65,883

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 28, 2017 · 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	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF RHODHISS serves 867 people · EPA ID NC0114035
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2017
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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