6604 Harbor Ln, Conover, NC 28613 Property Records

Catawba County property record for 6604 Harbor Ln, Conover, NC 28613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,161 sqft · built 1968
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jan 2026)
Tax Bill	$1,139 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Dec 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3745-01-39-6160`

Property Details

APN / Parcel Number

Primary APN	`3745-01-39-6160`
Alternative APN	`0022186`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,161 sqft Living Area
1st Floor Area	2,322 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Terrain	Below Road/Slope
View / Lot	Waterfront / Beach
Porch	Porch
Porch Area	162 sqft
Patio Area	417 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	6604 HARBOR LN
City	CONOVER
State	NC
Zip	28613-8772
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	LOT 6 PLAT 10-47
Legal Subdivision	JOHN F CARPENTER 3745
Legal Lot Number	6
Jurisdiction	CATAWBA NC
Township / Civil Division	CLINES
Census Block Group	1
Census Block	1002
Census Tract	10201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6604 HARBOR LN, CONOVER, NC 28613-8772
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Dec 8, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on Record
Deed Sale	Jan 20, 2026 · Amount on Record
Prior Sale	Feb 4, 2005 · Amount on Record
Deed Document Number	20261135
Deed Book / Page	3994 / 935
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Jan 20, 2026
Property Address	6604 HARBOR LN, CONOVER, NC 28613-8772
Document Number	0039940935
Book / Page	3994 / 935
Map Reference	MB 10 PG 47
Instrument Date	Jan 20, 2026
Instrument	1135
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6641 MONFORD DR, CONOVER, NC 28613-8859

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6604 HARBOR LN, CONOVER, NC 28613-8772

Mortgage

Document Number	0039940938
Date	Jan 20, 2026
Book Page	3994/938
Instrument	1136

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.65%
Max Rate At Change	7.65%
Index	5-Year CMT
Max Rate	11.6%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	6604 HARBOR LN, CONOVER, NC 28613-8772
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	UNKNOWN, SILK TITLE AND ESCROW FT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039860325
Date	Dec 8, 2025
Book Page	3986/325
Instrument	24032

Lender

Name	SOFI BANK NA
Type	Bank
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

Tax Assessment & Valuation

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		$285,800 (-) Land $77,700 Building $208,100
2025	$1,139.00 (-13.25%)	$285,800 (+32.87%) Land $77,700 Building $208,100
2024	$1,313.00
2023	$1,313.00	$215,100 Land $72,200 Building $142,900	$285,800 Land $77,700 Building $208,100

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (2003–2010)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 2010 · 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Carolina West Wireless Fixed Wireless	25 / 3
AT&T Fixed Wireless · DSL in parts of the area	25 / 3

May also be available: Spectrum, T-Mobile, Verizon.

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