3871 River Rd, Hickory, NC 28602 Property Records

Catawba County property record for 3871 River Rd, Hickory, NC 28602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 1998
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,103 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3710-09-16-2021`

Property Details

APN / Parcel Number

Primary APN	`3710-09-16-2021`
Alternative APN	`0601538`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
1st Floor Area	3,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	24,829 sqft (0.57 acres)
Lot Dimensions	241 ft deep x 106 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	265 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3871 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 1 PL 40-128
Legal Subdivision	RIVERBEND SUBDIVISION
Legal Lot Number	1
Jurisdiction	CATAWBA NC
Township / Civil Division	HICKORY
Census Block Group	4
Census Block	4027
Census Tract	11102

Owner

3871 River Rd is owned and occupied by two individuals who acquired it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3871 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
Feb 25, 2026	Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC
Jun 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Nov 22, 2019	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021
Deed Sale	Jun 1, 2021
Prior Sale	Jul 1, 2014 · Amount on File
Deed Document Number	202112997
Deed Book / Page	3661 / 302
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	3871 RIVER RD, HICKORY, NC 28602-8957
Transaction Type	Mortgage
Record Updated	Mar 18, 2026
Title Company	UNLS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3871 RIVER RD, HICKORY, NC 28602-8957

Mortgage

Document Number	0040011197
Date	Feb 25, 2026
Book Page	4001/1197
Instrument	3491

Lender

Name	INDEPENDENCE HOME LOANS LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85251

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CATAWBA NC
Recording Date	Jun 1, 2021
Property Address	3871 RIVER RD, HICKORY, NC 28602-8957
Document Number	0036610302
Book / Page	3661 / 302
Map Reference	MB 40 PG 128
Instrument Date	May 24, 2021
Instrument	12997
Transaction Type	Transfer
Record Updated	Jun 14, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3871 RIVER RD, HICKORY, NC 28602-8957

Mortgage

Document Number	12998
Date	Jun 1, 2021
Instrument	12998

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	3871 RIVER RD, HICKORY, NC 28602-8957
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ARMOUR SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035400610
Date	Nov 22, 2019
Book Page	03540/0610
Instrument	20912

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	290 Months
Due	Jan 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 3871 River Rd was $1,103, down 1.7% 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		$276,900 (-) Land $18,700 Building $258,200
2025	$1,103.00 (-1.69%)	$276,900 Land $18,700 Building $258,200
2024	$1,122.00 (+2.65%)
2023	$1,093.00	$276,900 Land $18,700 Building $258,200	$276,900 Land $18,700 Building $258,200

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

Flood

FEMA maps place 3871 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 3871 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	HIDDEN CREEK ESTATES private · serves 340 people · EPA ID NC0118290
Water Source	Groundwater
Last State Inspection	Apr 2024
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	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 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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