227 Willow St, Hudson, NC 28638 Property Records

Caldwell County property record for 227 Willow St, Hudson, NC 28638

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,026 sqft · built 1999
Lot Size	0.579 acres (25,200 sqft)
Owner	Individual Name on Record
Last Sale	$10,000 (Jul 1999)
Tax Bill	$1,380 (2025)
Deeds & Mortgages	Nov 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`03 43 4 18`

Property Details

APN / Parcel Number

Primary APN	`03 43 4 18`
Alternative APN	`108245`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,026 sqft Heated Area
Gross Area	2,244 sqft
1st Floor Area	1,026 sqft
Basement Area	1,026 sqft
Unfinished Basement	1,026 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,200 sqft (0.579 acres)
Lot Dimensions	200 ft deep x 126 ft wide

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	108245
Street Address	227 WILLOW ST
City	HUDSON
State	NC
Zip	28638-2468
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1269 PG 446 YR 1999 ST20.00
Legal Subdivision	WINTERHILL
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	2
Census Block	2017
Census Tract	30700

Owner

Source: Caldwell County records, as of August 7, 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 Record
Mailing Address	227 WILLOW ST, HUDSON, NC 28638-2468
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 1999 · Amount on Record
Deed Sale	Jul 12, 1999 · Amount on Record
Deed Book / Page	1269 / 446
Record Updated	Sep 20, 2026

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CALDWELL NC
Property Address	227 WILLOW ST, HUDSON, NC 28638-2468
Document Number	0010041709
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 WILLOW ST HUDSON NC 286382468, HUDSON, NC 28638-2468

Mortgage

Document Number	0010041709
Date	Feb 28, 2020
Book Page	001982/001340
Instrument	10041709

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

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		$210,400 (-) Land $19,400 Building $191,000
2025	$1,380.00 (+39.68%)	$210,400 (+65.67%) Land $19,400 Building $191,000	$210,400 (+65.67%) Land $19,400 Building $191,000
2023		$127,000 (-) Land $17,500 Building $109,500	$127,000 (-) Land $17,500 Building $109,500
2022	$988.00	$127,000 Land $17,500 Building $109,500	$127,000 Land $17,500 Building $109,500

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	0.03% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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