3817 River Rd, Hickory, NC 28602 Property Records

Catawba County property record for 3817 River Rd, Hickory, NC 28602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,526 sqft · built 1997
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$191,000 (Aug 2019)
Tax Bill	$1,062 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3710-09-15-5880`

Property Details

APN / Parcel Number

Primary APN	`3710-09-15-5880`
Alternative APN	`0601542`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,526 sqft Living Area
1st Floor Area	3,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	174 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	50 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3817 RIVER RD
City	HICKORY
State	NC
Zip	28602-8957
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	LOT 5 PL 40-128
Legal Subdivision	RIVERBEND
Legal Lot Number	5
Jurisdiction	CATAWBA NC
Township / Civil Division	HICKORY
Census Block Group	4
Census Block	4027
Census Tract	11102

Owner

3817 River Rd is owned and occupied by two individuals who bought it in August 2019.

Source: Catawba County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3817 RIVER RD, HICKORY, NC 28602-8957
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
Aug 25, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 29, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2019 · Amount on File
Deed Sale	Aug 29, 2019 · Amount on File
Prior Sale	Jul 1, 1997 · Amount on File
Deed Document Number	201914983
Deed Book / Page	3524 / 132
Prior Transfer Date	Mar 30, 2005
Prior Transfer Doc	0026530945
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	3817 RIVER RD, HICKORY, NC 28602-8957
Transaction Type	Mortgage
Record Updated	Nov 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037650432
Date	Aug 25, 2022
Book Page	3765/432
Instrument	18808

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	HICKORY, NC 28602

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Aug 29, 2019
Property Address	3817 RIVER RD, HICKORY, NC 28602-8957
Document Number	0035240132
Book / Page	03524 / 0132
Map Reference	MB 40 PG 128
Instrument Date	Aug 29, 2019
Instrument	14983
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10351 WESTGATE TERRACE #103103, 10351, RALEIGH, NC 27617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3817 RIVER RD, HICKORY, NC 28602-8957

Mortgage

Document Number	14984
Date	Aug 29, 2019
Instrument	14984

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

Tax Assessment & Valuation

The 2025 property tax bill for 3817 River Rd was $1,062, down 17.6% from the year before.

Source: Catawba County assessment roll, as of August 3, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Catawba County
Unified School District	Catawba County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$266,500 (-) Land $14,300 Building $252,200
2025	$1,062.00 (-17.61%)	$266,500 Land $14,300 Building $252,200
2024	$1,289.00 (+2.63%)
2023	$1,256.00	$266,500 Land $14,300 Building $252,200	$266,500 Land $14,300 Building $252,200

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

Flood

FEMA maps place 3817 River Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective September 1, 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	2 in force
Nearby Flood Claims	4 (2005–2019)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jun 2019 · rainfall accumulation

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 3817 River 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 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	CITY OF HICKORY serves 71,393 people · EPA ID NC0118010
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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