4105 5th St NW, Hickory, NC 28601 Property Records

Catawba County property record for 4105 5th St NW, Hickory, NC 28601

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,035 sqft · built 1985
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Aug 2015)
Tax Bill	$3,178 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Apr 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3705-20-81-3116`

Property Details

APN / Parcel Number

Primary APN	`3705-20-81-3116`
Alternative APN	`0062351`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,035 sqft Living Area
1st Floor Area	1,057 sqft
Upper Floors Area	1,057 sqft
Basement Area	1,079 sqft
Finished Basement	1,079 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	28,750 sqft (0.66 acres)
Terrain	Rolling
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	208 sqft
Patio Area	360 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4105 5TH ST NW
City	HICKORY
State	NC
Zip	28601-9015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	ACCT# 168300 MAP 200H -01-115- -0 141%(SZ)X175%(VL)X85%(RE) +110% PX
Legal Subdivision	LAKEGROVE
Jurisdiction	CATAWBA NC
Township / Civil Division	HICKORY
Census Block Group	1
Census Block	1006
Census Tract	10502

Owner

4105 5th St NW is owned and occupied by two individuals who bought it in August 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	4105 5TH ST NW, HICKORY, NC 28601-9015
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
Dec 20, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 17, 2018	Deed of Trust, Mortgage · Commercial Mortgage CAROLINA TRUST BANK
May 17, 2021	Deed of Trust, Mortgage · Line of Credit UNITED BANK
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 10, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2015 · Amount on File
Deed Sale	Aug 14, 2015 · Amount on File
Prior Sale	Apr 25, 2002 · Amount on File
Deed Document Number	201513451
Deed Book / Page	3303 / 1399
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	4105 5TH ST NW, HICKORY, NC 28601-9015
Transaction Type	Mortgage
Record Updated	Jan 1, 2024
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038471283
Date	Dec 20, 2023
Book Page	3847/1283
Instrument	22331

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 16, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	4105 5TH ST NW, HICKORY, NC 28601-9015
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034481012
Date	Apr 17, 2018
Book Page	03448/1012
Instrument	06113

Lender

Name	CAROLINA TRUST BANK
Type	Bank
Address	HICKORY, NC 28601

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	4105 5TH ST NW, HICKORY, NC 28601-9015
Transaction Type	Mortgage
Record Updated	Nov 11, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036571344
Date	May 17, 2021
Book Page	3657/1344
Instrument	11704

Lender

Name	UNITED BANK
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	324 Months
Due	May 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	4105 5TH ST NW, HICKORY, NC 28601-9015
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036421939
Date	Mar 22, 2021
Book Page	3642/1939
Instrument	6482

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	4105 5TH ST NW, HICKORY, NC 28601-9015
Document Number	0035660774
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4105 5TH ST NW HICKORY NC 286019015, HICKORY, NC 28601-9015

Mortgage

Document Number	0035660774
Date	Apr 17, 2020
Book Page	003566/000774
Instrument	7167

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4105 5th St NW was $3,178, down 23.9% 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	Hickory City Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$797,400 (-) Land $318,800 Building $478,600
2025	$3,178.00 (-23.86%)	$797,400 Land $318,800 Building $478,600
2024	$4,174.00
2023	$4,174.00	$797,400 Land $318,800 Building $478,600	$797,400 Land $318,800 Building $478,600

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

Flood

FEMA maps place 4105 5th St NW in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 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 4105 5th St NW is low, with less than 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 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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