Catawba County property record for 4228 River Rd, Hickory, NC 28602
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 816 sqft · built 1984 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $85,000 (Aug 2018) |
| Tax Bill | $560 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3700-08-89-1007 |
| Primary APN | 3700-08-89-1007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 816 sqft Living Area |
| 1st Floor Area | 1,632 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 178 ft deep x 85 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Patio Area | 24 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 4228 RIVER RD |
|---|---|
| City | HICKORY |
| State | NC |
| Zip | 28602-9738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Description | LOT 8 PLAT 18-378 |
| Legal Subdivision | THE PONDEROSA |
| Legal Lot Number | 8 |
| Jurisdiction | CATAWBA NC |
| Township / Civil Division | HICKORY |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 11102 |
4228 River Rd is owned and occupied by two individuals who acquired it in February 2021.
Source: Catawba County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4228 RIVER RD, HICKORY, NC 28602-9738 |
| 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 |
|---|---|
| Mar 10, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Aug 31, 2018 | Warranty Deed, Transfer · Conventional Mortgage USAA FSB |
| Jul 2, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2018 · Amount on File |
| Deed Sale | Aug 31, 2018 · Amount on File |
| Prior Sale | Jun 1, 1995 · Amount on File |
| Deed Document Number | 201814892 |
| Deed Book / Page | 3470 / 616 |
| Last Transfer Date | Feb 17, 2021 |
| Transfer Doc | 0036400302 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CATAWBA NC |
| Recording Date | Mar 10, 2021 |
| Property Address | 4228 RIVER RD, HICKORY, NC 28602-9738 |
| Document Number | 0036400302 |
| Book / Page | 3640 / 302 |
| Map Reference | MB 18 PG 378 |
| Instrument Date | Feb 17, 2021 |
| Instrument | 5549 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Title Company | TIMIOS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4228 RIVER RD, HICKORY, NC 28602-9738 |
| Document Number | 0000005550 |
|---|---|
| Date | Mar 10, 2021 |
| Instrument | 5550 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CATAWBA NC |
| Recording Date | Aug 31, 2018 |
| Property Address | 4228 RIVER RD, HICKORY, NC 28602-9738 |
| Document Number | 0034700616 |
| Book / Page | 03470 / 0616 |
| Map Reference | MB18 PG378 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 14892 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 149 24TH ST NW, 149, HICKORY, NC 28601-5732 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4428 RIVER RD, HICKORY, NC 28602-9153 |
| Document Number | 0000014893 |
|---|---|
| Date | Aug 31, 2018 |
| Instrument | 14893 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CATAWBA NC |
| Recording Date | Jul 2, 2018 |
| Property Address | 4228 RIVER RD, HICKORY, NC 28602-9738 |
| Document Number | 0034601608 |
| Book / Page | 003460 / 001608 |
| Instrument Date | Nov 10, 2017 |
| Instrument | 11063 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 149 24TH ST NW HICKORY NC 286015732, HICKORY, NC 28601-5732 |
The 2025 property tax bill for 4228 River Rd was $560, down 17.6% from the year before.
Source: Catawba County assessment roll, as of August 3, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Catawba County |
| Unified School District | Catawba County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $140,500 (-) Land $9,000 Building $131,500 | ||
| 2025 | $560.00 (-17.65%) | $140,500 Land $9,000 Building $131,500 | |
| 2024 | $680.00 (+2.72%) | ||
| 2023 | $662.00 | $140,500 Land $9,000 Building $131,500 | $140,500 Land $9,000 Building $131,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4228 River Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.
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 Claims | 3 (2024) |
| Claims Outside the SFHA | 3 of 3 |
| 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 risk around 4228 River Rd is low, with a 0.02% 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 | 0.02% 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 | PONDEROSA S/D private · serves 132 people · EPA ID NC0118279 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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