122 Rivercliff Dr, Hudson, NC 28638 Property Records

Caldwell County property record for 122 Rivercliff Dr, Hudson, NC 28638

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,041 sqft · built 2012
Lot Size	1.19 acres (51,910 sqft)
Owner	2 Individual Names on Record
Last Sale	$169,000 (Feb 2016)
Tax Bill	$1,701 (2026)
Deeds & Mortgages	May 2021 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03 46B 1 30`

Property Details

APN / Parcel Number

Primary APN	`03 46B 1 30`
Alternative APN	`158656`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,041 sqft Heated Area
Gross Area	1,827 sqft
1st Floor Area	1,041 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	51,910 sqft (1.19 acres)
Lot Dimensions	290 ft deep x 179 ft wide
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	158656
Street Address	122 RIVERCLIFF DR
City	HUDSON
State	NC
Zip	28638-5002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1889 PG 1703 YR 2016 ST 338.00
Legal Subdivision	HARVEST MEADOW P1
Legal Lot Number	30
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	1
Census Block	1025
Census Tract	30600

Owner

Source: Caldwell County records, as of October 20, 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	122 RIVERCLIFF DR, HUDSON, NC 28638-5002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Line of Credit 4FRONT CU
Feb 3, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2016 · Amount on Record
Deed Sale	Feb 18, 2016 · Amount on Record
Prior Sale	Nov 6, 2012 · Amount on Record
Deed Book / Page	1889 / 1703
Last Transfer Date	May 6, 2021
Transfer Doc	0010061935
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	122 RIVERCLIFF DR, HUDSON, NC 28638-5002
Transaction Type	Mortgage
Record Updated	Jul 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020220726
Date	May 21, 2021
Book Page	2022/726
Instrument	10057874

Lender

Name	4FRONT CU
Type	Credit Union
Address	WINSTON SALEM, NC 27113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 20, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	122 RIVERCLIFF DR, HUDSON, NC 28638-5002
Transaction Type	Mortgage
Record Updated	Jul 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020110499
Date	Feb 3, 2021
Book Page	2011/499
Instrument	10053328

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Caldwell County
Municipality	Hudson Town
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,701.00 (-20.77%)	$273,000 (-) Land $33,100 Building $239,900
2025	$2,147.00 (+85.89%)	$273,000 (+83.34%) Land $33,100 Building $239,900	$273,000 (+83.34%) Land $33,100 Building $239,900
2023		$148,900 (-) Land $25,200 Building $123,700	$148,900 (-) Land $25,200 Building $123,700
2022	$1,155.00	$148,900 Land $25,200 Building $123,700	$148,900 Land $25,200 Building $123,700

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 January 22, 2025 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2004)
Most Recent Claim	May 2004 · 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	CITY OF LENOIR serves 26,388 people · EPA ID NC0114010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2021
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)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Ripple Fiber.

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