431 4th St NE, Hickory, NC 28601 Property Records

Catawba County property record for 431 4th St NE, Hickory, NC 28601

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,517 sqft · built 1955
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Nov 2022)
Tax Bill	$2,014 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Nov 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3703-20-81-6741`

Property Details

APN / Parcel Number

Primary APN	`3703-20-81-6741`
Alternative APN	`0023503`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,517 sqft Living Area
1st Floor Area	2,500 sqft
Basement Area	1,017 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1986
Exterior Material	Brick
Lot Area	27,007 sqft (0.62 acres)
Lot Dimensions	268 ft deep x 103 ft wide
Terrain	Rolling
Porch	Porch
Porch Area	192 sqft
Patio Area	356 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	431 4TH ST NE
City	HICKORY
State	NC
Zip	28601-3962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 6 & PT 5 PLAT 3-42
Legal Subdivision	H E MCCOMB ESTATE
Legal Lot Number	6
Jurisdiction	CATAWBA NC
Township / Civil Division	HICKORY
Census Block Group	2
Census Block	2018
Census Tract	10402

Owner

431 4th St NE is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	431 4TH ST NE, HICKORY, NC 28601-3962
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
Jun 29, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Nov 9, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Nov 21, 2022	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Apr 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2022 · Amount on File
Deed Sale	Nov 21, 2022 · Amount on File
Prior Sale	Jul 1, 1979 · Amount on File
Deed Document Number	202224816
Deed Book / Page	3781 / 1014
Prior Transfer Date	Feb 16, 2022
Prior Transfer Doc	0000014851
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	431 4TH ST NE, HICKORY, NC 28601-3962
Transaction Type	Mortgage
Record Updated	Dec 5, 2023
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036680624
Date	Jun 29, 2021
Book Page	3668/624
Instrument	15527

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	431 4TH ST NE, HICKORY, NC 28601-3962
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038410852
Date	Nov 9, 2023
Book Page	3841/852
Instrument	19943

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Nov 21, 2022
Property Address	431 4TH ST NE, HICKORY, NC 28601-3962
Document Number	0037811014
Book / Page	3781 / 1014
Map Reference	MB 3 PG 42
Instrument Date	Nov 16, 2022
Instrument	24816
Transaction Type	Transfer
Record Updated	Dec 5, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$970.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3301 LEDFORD RD, VALE, NC 28168-8949

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 4TH ST NE, HICKORY, NC 28601-3962

Mortgage

Document Number	0000024817
Date	Nov 21, 2022
Instrument	24817

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.2%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.2%
Index	5-Year CMT
Margin	2
Max Rate	10.2%

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CATAWBA NC
Recording Date	Apr 24, 2020
Property Address	431 4TH ST NE, HICKORY, NC 28601-3962
Document Number	0035671896
Book / Page	003567 / 001896
Instrument Date	Apr 20, 2020
Instrument	7706
Transaction Type	Transfer
Record Updated	Jul 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 4TH ST NE HICKORY NC 286013962, HICKORY, NC 28601-3962

Tax Assessment & Valuation

The 2025 property tax bill for 431 4th St NE was $2,014, down 53.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$505,400 (-) Land $49,000 Building $456,400
2025	$2,014.00 (-53.3%)	$505,400 Land $49,000 Building $456,400
2024	$4,313.00
2023	$4,313.00	$505,400 Land $49,000 Building $456,400	$505,400 Land $49,000 Building $456,400

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

Flood

FEMA maps place 431 4th St NE in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.

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	4 in force
Nearby Flood Claims	4 (1993–2020)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Aug 2020 · 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 431 4th St NE 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 99.1% of the US · lower than 99.5% 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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
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

May also be available: Brightspeed.

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