5213 WHITEWATER DR HICKORY NC 286019079, HICKORY, NC 28601-9079
Mortgage
Document Number
0010051612
Date
Dec 17, 2020
Book Page
002006/001598
Instrument
10051612
Lender
Name
MR COOPER
Address
COPPELL, TX 75019
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Dec 16, 2050
February 2020: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
CALDWELL NC
Property Address
5213 WHITEWATER DR, HICKORY, NC 28601-9079
Document Number
0010041503
Instrument Date
Feb 14, 2020
Transaction Type
Mortgage
Record Updated
Jun 9, 2020
Title Company
FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON
Transaction
Additional
Multiple Parcels
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
5213 WHITEWATER DR HICKORY NC 286019079, HICKORY, NC 28601-9079
Mortgage
Document Number
0010041503
Date
Feb 21, 2020
Book Page
001982/000334
Instrument
10041503
Lender
Name
VETERANS UNITED HM LNS
Type
Funding / Finance Company
Address
COLUMBIA, MO 65203
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Feb 20, 2050
September 2018: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
CALDWELL NC
Recording Date
Sep 21, 2018
Property Address
5213 WHITEWATER DR, HICKORY, NC 28601-9079
Document Number
0010026205
Book / Page
001949 / 000903
Instrument Date
Sep 12, 2018
Instrument
10026205
Transaction Type
Transfer
Record Updated
Oct 11, 2018
Title Company
ATTORNEY ONLY
Transaction
Amount
Amount on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$450.00
Additional
Arm's Length
Multiple Parcels
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Husband and Wife
Address
5213 WHITEWATER DR HICKORY NC 286019079, HICKORY, NC 28601-9079
Mortgage
Document Number
10026206
Date
Sep 21, 2018
Book Page
001949/000906
Instrument
10026206
Lender
Name
VETERANS UNITED HM LNS
Type
Funding / Finance Company
Address
COLUMBIA, MO 65203
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Sep 20, 2048
September 2017: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
CALDWELL NC
Recording Date
Sep 13, 2017
Property Address
5213 WHITEWATER DR, HICKORY, NC 28601-9079
Document Number
0010015059
Book / Page
001926 / 001411
Instrument Date
Sep 13, 2017
Instrument
10015059
Transaction Type
Transfer
Record Updated
Jan 10, 2019
Title Company
ATTORNEY ONLY
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$480.00
Additional
Arm's Length
Multiple Parcels
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Husband and Wife
Address
5213 WHITEWATER DR HICKORY NC 286019079, HICKORY, NC 28601-9079
Mortgage
Document Number
10015060
Date
Sep 13, 2017
Book Page
001926/001414
Instrument
10015060
Lender
Name
WELLS FARGO BK
Type
Bank
Address
SIOUX FALLS, SD 57104
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Sep 12, 2047
Tax Assessment & Valuation
The 2026 property tax bill for 5213 Whitewater Dr was $2,583, down 21.4% from the year before.
Source: Caldwell County assessment roll, as of August 7, 2026
Property Jurisdictions
Type
Name
State
North Carolina
County
Caldwell County
Unified School District
Caldwell County Schools (PK - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2026
$2,583.00 (-21.37%)
$429,200 (-)Land $23,500Building $405,700
2025
$3,285.00
$429,200Land $23,500Building $405,700
$429,200Land $23,500Building $405,700
2023
$248,100 (-)Land $23,500Building $224,600
$248,100 (-)Land $23,500Building $224,600
2022
$1,773.00
$248,100Land $23,500Building $224,600
$248,100Land $23,500Building $224,600
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 5213 Whitewater Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 22, 2025 · 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
Community Rating System
Class 9 (5% premium discount)
Nearby Flood Policies
1 in force
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 5213 Whitewater Dr is low, with 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 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood
0.01% 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
CALDWELL COUNTY- ADDISON LANE serves 152 people · EPA ID NC1014001
Water Source
Purchased surface water from CITY OF HICKORY
Last State Inspection
May 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
4 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 54 locations within half a mile, as of December 31, 2025