Caldwell County property record for 1644 Lafayette Ave, Hudson, NC 28638 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,350 sqft · built 1976 |
| Lot Size | 0.604 acres (26,320 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Jul 2021) |
| Tax Bill | $2,139 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 03 81A 1 13 |
| Primary APN | 03 81A 1 13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,350 sqft Heated Area |
| Gross Area | 3,500 sqft |
| 1st Floor Area | 1,350 sqft |
| Basement Area | 1,350 sqft |
| Unfinished Basement | 1,350 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 26,320 sqft (0.604 acres) |
| Lot Dimensions | 188 ft deep x 140 ft wide |
| Garage Type | Carport |
| Garage Area | 540 sqft |
| Carport | Carport |
| Carport Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 160 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 171976 |
|---|---|
| Street Address | 1644 LAFAYETTE AVE |
| City | HUDSON |
| State | NC |
| Zip | 28638-9751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2026 PG 1563 YR 2021 ST 420.00 |
| Legal Subdivision | VIRGINIA ACRES SUBDIVISION |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | HUDSON |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 30700 |
Source: Caldwell County records · APN 03 81A 1 13
Assessment roll updated July 22, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 1644 LAFAYETTE AVE, HUDSON, NC 28638-9751 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 02, 2021 | Warranty Deed, Transfer · USDA Mortgage ALCOVA MORTGAGE LLC |
| Sep 22, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 02, 2021 · Amount on Record |
| Deed Sale | Jul 02, 2021 · Amount on Record |
| Prior Sale | Sep 24, 2010 · Amount on Record |
| Deed Document Number | 202110059646 |
| Deed Book / Page | 2026 / 1563 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Jul 02, 2021 |
| Property Address | 1644 LAFAYETTE AVE, HUDSON, NC 28638-9751 |
| Document Number | 0020261563 |
| Book / Page | 2026 / 1563 |
| Instrument Date | Jul 02, 2021 |
| Instrument | 10059646 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $420.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 836 DUDLEY SHOALS RD, 836, GRANITE FALLS, NC 28630-8675 |
| Name | Verified Name |
|---|---|
| Address | 1644 LAFAYETTE AVE, HUDSON, NC 28638-9751 |
| Document Number | 10059647 |
|---|---|
| Date | Jul 02, 2021 |
| Instrument | 10059647 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 1644 LAFAYETTE AVE, HUDSON, NC 28638-9751 |
| Document Number | 0010049056 |
| Instrument Date | Sep 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 1644 LAFAYETTE AVE HUDSON NC 286389751, HUDSON, NC 28638-9751 |
| Document Number | 0010049056 |
|---|---|
| Date | Oct 07, 2020 |
| Book Page | 002000/001219 |
| Instrument | 10049056 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 06, 2040 |
Source: Caldwell County records · Assessment roll updated July 22, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Sawmills Town |
| Unified School District | Caldwell County 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 |
|---|---|---|---|
| 2025 | $2,139.00 (+83.61%) | $219,800 (+78.99%) Land $14,700 Building $205,100 | $219,800 (+78.99%) Land $14,700 Building $205,100 |
| 2023 | $122,800 (-) Land $14,700 Building $108,100 | $122,800 (-) Land $14,700 Building $108,100 | |
| 2022 | $1,165.00 | $122,800 Land $14,700 Building $108,100 | $122,800 Land $14,700 Building $108,100 |
Source: FEMA National Flood Hazard Layer, Caldwell County (37027C), updated January 22, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 107 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Ripple Fiber | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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