Caldwell County property record for 172 Optimist Ave, Hudson, NC 28638
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,904 sqft · built 1996 |
| Lot Size | 0.561 acres (24,428 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $9,500 (Mar 1995) |
| Tax Bill | $1,392 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03 28 1 10 |
| Primary APN | 03 28 1 10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,904 sqft Heated Area |
| Gross Area | 2,168 sqft |
| 1st Floor Area | 1,904 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Asbestos |
| Lot Area | 24,428 sqft (0.561 acres) |
| Lot Dimensions | 197 ft deep x 124 ft wide |
| Porch | Slab |
| Porch Area | 264 sqft |
| Storage Building | Storage Building |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 17223 |
|---|---|
| Street Address | 172 OPTIMIST AVE |
| City | HUDSON |
| State | NC |
| Zip | 28638-2123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1132 PG 1666 YR 95 ST 19.00 |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | HUDSON |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 30400 |
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 | 172 OPTIMIST AVE, HUDSON, NC 28638-2123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2020 | Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Apr 13, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 1995 · Amount on Record |
| Deed Sale | Mar 1, 1995 · Amount on Record |
| Deed Book / Page | 1132 / 1666 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 172 OPTIMIST AVE, HUDSON, NC 28638-2123 |
| Document Number | 0010043436 |
| Instrument Date | Apr 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2020 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 172 OPTIMIST AVE HUDSON NC 286382123, HUDSON, NC 28638-2123 |
| Document Number | 0010043436 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 001986/001896 |
| Instrument | 10043436 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 972 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.76% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 172 OPTIMIST AVE, HUDSON, NC 28638-2123 |
| Document Number | 0010043435 |
| Instrument Date | Apr 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2020 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 172 OPTIMIST AVE HUDSON NC 286382123, HUDSON, NC 28638-2123 |
| Document Number | 0010043435 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 001986/001882 |
| Instrument | 10043435 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 972 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.76% |
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Hudson Town |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,392.00 (-4.66%) | $222,800 (-) Land $16,500 Building $206,300 | |
| 2025 | $1,460.00 (+36.83%) | $222,800 (+62.27%) Land $16,500 Building $206,300 | $222,800 (+62.27%) Land $16,500 Building $206,300 |
| 2023 | $137,300 (-) Land $16,500 Building $120,800 | $137,300 (-) Land $16,500 Building $120,800 | |
| 2022 | $1,067.00 | $137,300 Land $16,500 Building $120,800 | $137,300 Land $16,500 Building $120,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2018 · 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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