4370 River Rd, Hickory, NC 28602 Property Records

Catawba County property record for 4370 River Rd, Hickory, NC 28602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,406 sqft · built 1997
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Aug 2025)
Tax Bill	$985 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3701-19-60-6027`

Property Details

APN / Parcel Number

Primary APN	`3701-19-60-6027`
Alternative APN	`0601342`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,406 sqft Living Area
1st Floor Area	2,812 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	30,492 sqft (0.7 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	36 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4370 RIVER RD
City	HICKORY
State	NC
Zip	28602-9741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	LOT 1 PLAT 37-129
Legal Subdivision	PREPARED BY VAUHN & BRADSHAW SURVYEING
Legal Lot Number	1
Jurisdiction	CATAWBA NC
Township / Civil Division	HICKORY
Census Block Group	2
Census Block	2013
Census Tract	11102

Owner

4370 River Rd is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4370 RIVER RD, HICKORY, NC 28602-9741
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
Jan 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage CERTAINTY HOME LOANS LLC
Sep 21, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2025 · Amount on File
Deed Sale	Aug 11, 2025 · Amount on File
Prior Sale	Sep 21, 2020 · Amount on File
Deed Document Number	202515510
Deed Book / Page	3960 / 1150
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	4370 RIVER RD, HICKORY, NC 28602-9741
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034351975
Date	Jan 18, 2018
Book Page	03435/1975
Instrument	00849

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company
Address	PLANO, TX 75093

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Sep 21, 2020
Property Address	4370 RIVER RD, HICKORY, NC 28602-9741
Document Number	0036001584
Book / Page	3600 / 1584
Map Reference	MB 37 PG 129
Instrument Date	Sep 21, 2020
Instrument	19189
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5323 OAKRIDGE DR, 5323, BEAVERTON, MI 48612-8593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4370 RIVER RD, HICKORY, NC 28602-9741

Mortgage

Document Number	19190
Date	Sep 21, 2020
Instrument	19190

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2025
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

The 2025 property tax bill for 4370 River Rd was $985.

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		$247,300 (-) Land $13,900 Building $233,400
2025	$985.00	$247,300 Land $13,900 Building $233,400
2023	$1,306.00	$247,300 Land $13,900 Building $233,400	$247,300 Land $13,900 Building $233,400

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

Flood

FEMA maps place 4370 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

Wildfire risk around 4370 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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