Catawba County property record for 821 Gemcrest Dr NE, Conover, NC 28613
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,265 sqft · built 1999 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Jan 2017) |
| Tax Bill | $814 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3742-15-63-8812 |
| Primary APN | 3742-15-63-8812 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,265 sqft Living Area |
| 1st Floor Area | 2,530 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 148 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 40 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 821 GEMCREST DR NE |
|---|---|
| City | CONOVER |
| State | NC |
| Zip | 28613-7425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-9A |
| Legal Description | LOT 16 PLAT 46-168 |
| Legal Subdivision | SAPPHIRE RIDGE PH 2 |
| Legal Lot Number | 16 |
| Jurisdiction | CATAWBA NC |
| Township / Civil Division | CLINES |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 10102 |
Source: Catawba County records · APN 3742-15-63-8812
Assessment roll updated August 3, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 821 GEMCREST DR NE, CONOVER, NC 28613-7425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Mar 06, 2019 | Warranty Deed, Transfer STATE EMPS CU |
| Jan 04, 2017 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CREDIT UNION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 04, 2017 · Amount on Record |
| Deed Sale | Jan 04, 2017 · Amount on Record |
| Prior Sale | Dec 02, 2011 · Amount on Record |
| Deed Document Number | 201772 |
| Deed Book / Page | 3379 / 1954 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATAWBA NC |
| Property Address | 821 GEMCREST DR NE, CONOVER, NC 28613-7425 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2022 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0037161622 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 3716/1622 |
| Instrument | 827 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATAWBA NC |
| Property Address | 821 GEMCREST DR NE, CONOVER, NC 28613-7425 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036051510 |
|---|---|
| Date | Oct 12, 2020 |
| Book Page | 3605/1510 |
| Instrument | 20896 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 01, 2025 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 5.87% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 9.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CATAWBA NC |
| Recording Date | Mar 06, 2019 |
| Property Address | 821 GEMCREST DR NE, CONOVER, NC 28613-7425 |
| Document Number | 0034950612 |
| Book / Page | 003495 / 000612 |
| Instrument Date | Mar 06, 2019 |
| Instrument | 3549 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $304.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 821 GEMCREST DR NE CONOVER NC 286137425, CONOVER, NC 28613-7425 |
| Document Number | 34950614 |
|---|---|
| Date | Mar 06, 2019 |
| Book Page | 003495/000614 |
| Instrument | 3550 |
| Name | STATE EMPS CU |
|---|---|
| Address | RALEIGH, NC 27611-5279 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 05, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CATAWBA NC |
| Recording Date | Jan 04, 2017 |
| Property Address | 821 GEMCREST DR NE, CONOVER, NC 28613-7425 |
| Document Number | 0033791954 |
| Book / Page | 03379 / 1954 |
| Map Reference | MB46 PG168 |
| Instrument Date | Jan 03, 2017 |
| Instrument | 00072 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2599 CHANDY ST, 2599, NEWTON, NC 28658-8456 |
| Name | Verified Name |
|---|---|
| Address | 821 GEMEREST DR, CONOVER, NC 28613-7425 |
| Document Number | 73 |
|---|---|
| Date | Jan 04, 2017 |
| Instrument | 00073 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|---|
| Type | Non-Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Jan 03, 2017 |
| Change Frequency | Annually |
| Max Rate At Change | 2% |
| Index | 5-Year TN |
| Max Rate | 6% |
Source: Catawba County records · Assessment roll updated August 3, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Catawba County |
| Municipality | Conover City |
| Unified School District | Newton-Conover City Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $204,200 (+62.19%) Land $10,000 Building $194,200 | ||
| 2025 | $814.00 (-49.75%) | ||
| 2023 | $1,620.00 | $125,900 Land $10,000 Building $115,900 | $204,200 Land $10,000 Building $194,200 |
Source: FEMA National Flood Hazard Layer as of September 1, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 30 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF CONOVER serves 15,347 people |
|---|---|
| Water Source | Purchased surface water from CITY OF HICKORY |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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