Burke County property record for 4104 Gaines St, Hickory, NC 28602
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 2023 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,330 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage May 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2781097177 |
| Primary APN | 2781097177 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Flooring | Tile |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 39,204 sqft (0.9 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 168 sqft |
| Deck Area | 48 sqft |
| Patio Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 4104 GAINES ST |
|---|---|
| City | HICKORY |
| State | NC |
| Zip | 28602-8680 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | 4104 GAINES ST HICKORY, NC 28602 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | ICARD |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 21202 |
4104 Gaines St, a residential property, is owned and occupied by two individuals who acquired it in September 2011.
Source: Burke County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4104 GAINES ST, HICKORY, NC 28602-8680 |
| 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.
| Date | Document |
|---|---|
| Sep 16, 2022 | Deed of Trust, Mortgage VAN DYK MORTGAGE CORP |
| May 16, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 23, 2011 |
| Transfer Doc | 0019830943 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 4104 GAINES ST, HICKORY, NC 28602-8680 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4104 GAINES STREET, NEWPORT NEWS, VA 23602 |
| Document Number | 0026450806 |
|---|---|
| Date | Sep 16, 2022 |
| Book Page | 2645/806 |
| Instrument | 2021025776 |
| Name | VAN DYK MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MARYVILLE, TN 37804 |
| Amount | Amount on Record |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | May 16, 2023 |
| Property Address | 4104 GAINES ST, HICKORY, NC 28602-8680 |
| Document Number | 0026840513 |
| Book / Page | 2684 / 513 |
| Instrument Date | Mar 21, 2023 |
| Instrument | 2023004347 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4104 GAINES ST, HICKORY, NC 28602-8680 |
| Document Number | 2023004348 |
|---|---|
| Date | May 16, 2023 |
| Instrument | 2023004348 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 5-Year CMT |
| Max Rate | 11% |
The 2026 property tax bill for 4104 Gaines St was $1,330, up 7.9% from the year before.
Source: Burke County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Unified School District | Burke County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,330.00 (+7.87%) | $182,739 (-) Land $17,230 Building $165,509 | $182,739 (-) Land $17,230 Building $165,509 |
| 2025 | $1,233.00 | $182,739 Land $17,230 Building $165,509 | $182,739 Land $17,230 Building $165,509 |
| 2023 | $212.00 | $18,265 Land $17,230 Building $1,035 | $18,265 Land $17,230 Building $1,035 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4104 Gaines St in Zone X, an area of minimal flood risk.
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 | 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 4104 Gaines 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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ICARD TOWNSHIP WATER CORP private · serves 7,821 people · EPA ID NC0112060 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 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 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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