520 5th St NW, Hickory, NC 28601 Property Records

Catawba County property record for 520 5th St NW, Hickory, NC 28601

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,564 sqft · built 1920
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Jan 2019)
Tax Bill	$3,100 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3703-18-42-0373`

Property Details

APN / Parcel Number

Primary APN	`3703-18-42-0373`
Alternative APN	`0020397`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,564 sqft Living Area
1st Floor Area	3,654 sqft
Upper Floors Area	1,827 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2012
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	204 ft deep x 147 ft wide
Terrain	Below Road/Slope
Garage Type	Attached
Garage Area	1,008 sqft
Porch	Porch
Porch Area	140 sqft
Patio Area	206 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 5TH ST NW
City	HICKORY
State	NC
Zip	28601-3610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT TR 2 PL 42-4
Legal Tract	2
Jurisdiction	CATAWBA NC
Township / Civil Division	HICKORY
Census Block Group	2
Census Block	2013
Census Tract	10501

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Oakwood Historic District listed 1986 · 52 contributing resources · NRIS 86000687

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

520 5th St NW is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 5TH ST NW, HICKORY, NC 28601-3610
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
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Jan 18, 2019	Warranty Deed, Transfer · ARM GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2019 · Amount on File
Deed Sale	Jan 18, 2019 · Amount on File
Prior Sale	Aug 27, 2012 · Amount on File
Deed Document Number	2019983
Deed Book / Page	3489 / 388
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	520 5TH ST NW, HICKORY, NC 28601-3610
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036910250
Date	Sep 28, 2021
Book Page	3691/250
Instrument	23746

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

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

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Jan 18, 2019
Property Address	520 5TH ST NW, HICKORY, NC 28601-3610
Document Number	0034890388
Book / Page	03489 / 0388
Map Reference	MB 42 PG 4
Instrument Date	Jan 16, 2019
Instrument	00983
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	250 35TH AVE NW, 250, HICKORY, NC 28601-8098

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 5TH ST NW, HICKORY, NC 28601-3610

Mortgage

Document Number	0000000984
Date	Jan 18, 2019
Instrument	00984

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.12%
Index	1-Year CMT
Margin	3
Max Rate	10.1%

Tax Assessment & Valuation

The 2025 property tax bill for 520 5th St NW was $3,100, 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		$778,000 (-) Land $51,800 Building $726,200
2025	$3,100.00 (-53.31%)	$778,000 Land $51,800 Building $726,200
2024	$6,640.00
2023	$6,640.00	$778,000 Land $51,800 Building $726,200	$778,000 Land $51,800 Building $726,200

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

Flood

FEMA maps place 520 5th St NW in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2013.

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	6 in force
Nearby Flood Claims	5 (2013–2020)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Feb 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

The area around 520 5th St NW has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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