347 Spruce Ave, Hudson, NC 28638 Property Records

Caldwell County property record for 347 Spruce Ave, Hudson, NC 28638

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,215 sqft · built 1995
Lot Size	0.333 acres (14,500 sqft)
Owner	2 Individual Names on File
Last Sale	$113,000 (Jan 2010)
Tax Bill	$1,482 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03 43 4 16`

Property Details

APN / Parcel Number

Primary APN	`03 43 4 16`
Alternative APN	`155524`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,215 sqft Heated Area
Gross Area	2,550 sqft
1st Floor Area	1,215 sqft
Basement Area	1,215 sqft
Finished Basement	585 sqft
Unfinished Basement	630 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,500 sqft (0.333 acres)
Lot Dimensions	145 ft deep x 100 ft wide

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Deck Area	100 sqft
Patio Area	100 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	155524
Street Address	347 SPRUCE AVE
City	HUDSON
State	NC
Zip	28638-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2008 PG 1282 YR 21 ST 270.00
Legal Subdivision	WINTERHILL SUBDIVISION SECTION II
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	2
Census Block	2036
Census Tract	30700

Owner

347 Spruce Ave is owned by two individuals who bought it in January 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	343 SPRUCE AVE, HUDSON, NC 28638-2421
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 7, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOV'T EMPS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2010 · Amount on File
Deed Sale	Jan 22, 2010 · Amount on File
Prior Sale	Oct 15, 2007 · Amount on File
Deed Book / Page	1732 / 944
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	347 SPRUCE AVE, HUDSON, NC 28638-2421
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	347 SPRUCE AVE, HUDSON, NC 28638-2421

Mortgage

Document Number	0021400520
Date	Jul 18, 2025
Book Page	2140/520
Instrument	10108907

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	5-Year CMT
Max Rate	11.5%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Jan 7, 2021
Property Address	347 SPRUCE AVE, HUDSON, NC 28638-2421
Document Number	0010052334
Book / Page	002008 / 001282
Instrument Date	Jan 7, 2021
Instrument	10052334
Transaction Type	Transfer
Record Updated	Jan 26, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	343 SPRUCE AVE HUDSON NC 286382421, HUDSON, NC 28638-2421

Mortgage

Document Number	10052335
Date	Jan 7, 2021
Book Page	002008/001284
Instrument	10052335

Lender

Name	LOCAL GOV'T EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 6, 2031

Tax Assessment & Valuation

The 2026 property tax bill for 347 Spruce Ave was $1,482, down 20.7% from the year before.

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	$1,482.00 (-20.75%)	$237,500 (-) Land $14,000 Building $223,500
2025	$1,870.00	$237,500 Land $14,000 Building $223,500	$237,500 Land $14,000 Building $223,500
2023		$127,100 (-) Land $14,000 Building $113,100	$127,100 (-) Land $14,000 Building $113,100
2022	$989.00	$127,100 Land $14,000 Building $113,100	$127,100 Land $14,000 Building $113,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 347 Spruce Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 347 Spruce Ave is low, with a 0.03% annual chance of 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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