5474 Clover St, Hickory, NC 28602 Property Records

Catawba County property record for 5474 Clover St, Hickory, NC 28602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,595 sqft · built 1968
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Last Sale	$116,000 (Apr 2018)
Tax Bill	$989 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Apr 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2791-11-55-4108`

Property Details

APN / Parcel Number

Primary APN	`2791-11-55-4108`
Alternative APN	`0048346`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,595 sqft Living Area
1st Floor Area	3,190 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	207 ft deep x 150 ft wide
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	110 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5474 CLOVER ST
City	HICKORY
State	NC
Zip	28602-9415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	LOT 3 PL 13-58
Legal Subdivision	CLEARVIEW ACRES PL 13-58
Legal Lot Number	3
Jurisdiction	CATAWBA NC
Township / Civil Division	HICKORY
Census Block Group	2
Census Block	2025
Census Tract	11101

Owner

5474 Clover St is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	5474 CLOVER ST, HICKORY, NC 28602-9415
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
Feb 9, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 24, 2018	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
May 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2018 · Amount on File
Deed Sale	Apr 24, 2018 · Amount on File
Deed Document Number	20186516
Deed Book / Page	3449 / 944
Prior Transfer Date	May 24, 2017
Prior Transfer Doc	0034010417
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	5474 CLOVER ST, HICKORY, NC 28602-9415
Transaction Type	Mortgage
Record Updated	Feb 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037930855
Date	Feb 9, 2023
Book Page	3793/855
Instrument	2322

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	HICKORY, NC 28603

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Apr 24, 2018
Property Address	5474 CLOVER ST, HICKORY, NC 28602-9415
Document Number	0034490944
Book / Page	03449 / 0944
Map Reference	MB13 PG58
Instrument Date	Apr 23, 2018
Instrument	06516
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	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2219 MOSS FARM RD, 2219, HICKORY, NC 28602-8313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5474 CLOVER ST, HICKORY, NC 28602-9415

Mortgage

Document Number	6517
Date	Apr 24, 2018
Instrument	06517

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2033

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CATAWBA NC
Recording Date	May 30, 2017
Property Address	5474 CLOVER ST, HICKORY, NC 28602-9415
Document Number	0034010417
Book / Page	003401 / 000417
Instrument Date	May 24, 2017
Instrument	9056
Transaction Type	Transfer
Record Updated	Aug 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2219 MOSS FARM RD HICKORY NC 286028313, HICKORY, NC 28602-8313

Tax Assessment & Valuation

The 2025 property tax bill for 5474 Clover St was $989, down 17.7% from the year before.

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		$248,200 (-) Land $19,400 Building $228,800
2025	$989.00 (-17.65%)	$248,200 Land $19,400 Building $228,800
2024	$1,201.00 (+2.65%)
2023	$1,170.00	$248,200 Land $19,400 Building $228,800	$248,200 Land $19,400 Building $228,800

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

Flood

FEMA maps place 5474 Clover St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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	1 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	Aug 2003 · 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 5474 Clover 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	CLEARVIEW ACRES S/D private · serves 170 people · EPA ID NC0118105
Water Source	Groundwater
Last State Inspection	Feb 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 40 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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