203 Elm Ave, Hudson, NC 28638 Property Records

Caldwell County property record for 203 Elm Ave, Hudson, NC 28638

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,633 sqft · built 1981
Lot Size	0.827 acres (36,024 sqft)
Owner	2 Individual Names on File
Last Sale	$339,000 (Dec 2024)
Tax Bill	$1,837 (2026)
Deeds & Mortgages	Oct 2025 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03 14 1 19`

Property Details

APN / Parcel Number

Primary APN	`03 14 1 19`
Alternative APNs	`134412` `182049`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,633 sqft Heated Area
Gross Area	4,111 sqft
1st Floor Area	1,184 sqft
Upper Floors Area	462 sqft
Basement Area	1,562 sqft
Finished Basement	950 sqft
Unfinished Basement	612 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	36,024 sqft (0.827 acres)
Lot Dimensions	237 ft deep x 152 ft wide

Exterior Amenities

Porch	Patio
Porch Area	308 sqft
Deck Area	48 sqft
Patio Area	412 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	182049
Street Address	203 ELM AVE
City	HUDSON
State	NC
Zip	28638-2435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1865 PG 1805 YR 2015 ST 290.00
Legal Subdivision	M T HICKMAN PROP
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	2
Census Block	2035
Census Tract	30700

Owner

Source: Caldwell County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	203 ELM AVE, HUDSON, NC 28638-2435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 16, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 5, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2024 · Amount on File
Deed Sale	Dec 5, 2024 · Amount on File
Prior Sale	Feb 24, 2005 · Amount on File
Deed Document Number	202410102060
Deed Book / Page	2123 / 1989
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	203 ELM AVE, HUDSON, NC 28638-2435
Transaction Type	Mortgage
Record Updated	Nov 18, 2025
Title Company	UNKNOWN, REAL ADVANTAGE LLC DBA ORANG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 ELM AVE, HUDSON, NC 28638-2435

Mortgage

Document Number	0021461063
Date	Oct 1, 2025
Book Page	2146/1063
Instrument	10111496

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	1400 FORUM BLVD STE 18, COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	203 ELM AVE, HUDSON, NC 28638-2435
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020831876
Date	May 16, 2023
Book Page	2083/1876
Instrument	10084513

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	203 ELM AVE, HUDSON, NC 28638-2435
Document Number	0010042048
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 ELM AVE HUDSON NC 286382435, HUDSON, NC 28638-2435

Mortgage

Document Number	0010042048
Date	Mar 10, 2020
Book Page	001983/000960
Instrument	10042048

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 9, 2050

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	$1,837.00 (-38.48%)	$340,100 (-10.64%) Land $19,300 Building $320,800
2025	$2,986.00 (+116.22%)	$380,600 (+113.34%) Land $19,300 Building $361,300	$340,100 (+90.64%) Land $19,300 Building $320,800
2023		$178,400 (-) Land $18,400 Building $160,000	$178,400 (-) Land $18,400 Building $160,000
2022	$1,381.00	$178,400 Land $18,400 Building $160,000	$178,400 Land $18,400 Building $160,000

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

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

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ripple Fiber.

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