5409 Royal St, Hickory, NC 28602 Property Records

Burke County property record for 5409 Royal St, Hickory, NC 28602

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,347 sqft · built 1922
Lot Size	5.1 acres (222,156 sqft)
Owner	2 Individual Names on File
Last Sale	$166,000 (Mar 2019)
Tax Bill	$1,645 (2026)
Deeds & Mortgages	Feb 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2770065097`

Property Details

APN / Parcel Number

Primary APN	`2770065097`
Alternative APN	`41235`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,347 sqft Living Area
1st Floor Area	1,304 sqft
Basement Area	261 sqft
Unfinished Basement	261 sqft
Flooring	Tile

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Asphalt
Lot Area	222,156 sqft (5.1 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	320 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	5409 ROYAL ST
City	HICKORY
State	NC
Zip	28602-8708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL MIXE
Legal Description	5409 ROYAL ST HICKORY, NC 28602
Jurisdiction	BURKE NC
Township / Civil Division	ICARD
Census Block Group	2
Census Block	2013
Census Tract	21203

Owner

5409 Royal St is owned by two individuals who bought it in March 2019.

Source: Burke County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 432, CONNELLY SPRINGS, NC 28612-0432
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
Feb 5, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 26, 2019	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2019 · Amount on File
Deed Sale	Mar 26, 2019 · Amount on File
Prior Sale	Oct 4, 2005 · Amount on File
Deed Document Number	20192017026084
Deed Book / Page	2395 / 1
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	5409 ROYAL ST, HICKORY, NC 28602-8708
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024470760
Date	Feb 5, 2020
Book Page	2447/0760
Instrument	2017036908

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Nov 1, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Mar 26, 2019
Property Address	5409 ROYAL ST, HICKORY, NC 28602-8708
Document Number	0023950001
Book / Page	2395 / 0001
Instrument Date	Mar 15, 2019
Instrument	2017026084
Transaction Type	Transfer
Record Updated	Nov 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	911 SENECA RD, 911, VENICE, FL 34293-6649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 432, CONNELLY SPRINGS, NC 28612-0432

Mortgage

Document Number	2017026085
Date	Mar 26, 2019
Instrument	2017026085

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 5409 Royal St was $1,645, up 0.3% from the year before.

Source: Burke County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,645.00 (+0.3%)	$232,845 (-) Land $48,721 Building $184,124	$232,845 (-) Land $48,721 Building $184,124
2025	$1,640.00	$232,845 Land $48,721 Building $184,124	$232,845 Land $48,721 Building $184,124
2023	$1,648.00	$232,845 Land $48,721 Building $184,124	$232,845 Land $48,721 Building $184,124

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

Flood

FEMA maps place 5409 Royal St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 28, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5409 Royal St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BURKE CO. WATER-SOUTH serves 5,207 people · EPA ID NC0112075
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
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 55 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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