5524 Clover St, Hickory, NC 28602 Property Records

Catawba County property record for 5524 Clover St, Hickory, NC 28602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1988
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on File
Last Sale	$125,500 (Aug 2006)
Tax Bill	$991 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`2791-14-44-9925`

Property Details

APN / Parcel Number

Primary APN	`2791-14-44-9925`
Alternative APN	`0048361`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	2,592 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	34,412 sqft (0.79 acres)
Lot Dimensions	250 ft deep x 140 ft wide
Terrain	Rolling
Porch	Porch
Porch Area	288 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5524 CLOVER ST
City	HICKORY
State	NC
Zip	28602-9416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	LOT 5 5H PL 14-28 CLEARVIEW PL 14-28
Legal Subdivision	CLEARVIEW ACRES PL 14-28
Legal Lot Number	5
Jurisdiction	CATAWBA NC
Township / Civil Division	HICKORY
Census Block Group	2
Census Block	2025
Census Tract	11101

Owner

5524 Clover St is owned and occupied by two individuals who bought it in August 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	5524 CLOVER ST, HICKORY, NC 28602-9416
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 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Jan 11, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2006 · Amount on File
Deed Sale	Aug 21, 2006 · Amount on File
Prior Sale	Mar 1, 1993 · Amount on File
Deed Document Number	200623550
Deed Book / Page	2774 / 334
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	5524 CLOVER ST, HICKORY, NC 28602-9416
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037161014
Date	Jan 11, 2022
Book Page	3716/1014
Instrument	724

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	5524 CLOVER ST, HICKORY, NC 28602-9416
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037161029
Date	Jan 11, 2022
Book Page	3716/1029
Instrument	725

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	HICKORY, NC 28602

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 5524 Clover St was $991, 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		$248,800 (-) Land $19,900 Building $228,900
2025	$991.00 (-17.69%)	$248,800 Land $19,900 Building $228,900
2024	$1,204.00 (+2.64%)
2023	$1,173.00	$248,800 Land $19,900 Building $228,900	$248,800 Land $19,900 Building $228,900

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

Flood

FEMA maps place 5524 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 5524 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 145 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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