3486 Raintree Dr, Hudson, NC 28638 Property Records

Caldwell County property record for 3486 Raintree Dr, Hudson, NC 28638

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,417 sqft · built 1996
Lot Size	0.754 acres (32,841 sqft)
Owner	2 Individual Names on File
Last Sale	$122,000 (Aug 1997)
Tax Bill	$1,742 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03101H 1 25`

Property Details

APN / Parcel Number

Primary APN	`03101H 1 25`
Alternative APN	`102815`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,417 sqft Heated Area
Gross Area	3,673 sqft
1st Floor Area	1,417 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,841 sqft (0.754 acres)
Lot Dimensions	267 ft deep x 123 ft wide
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	480 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	102815
Street Address	3486 RAINTREE DR
City	HUDSON
State	NC
Zip	28638-9116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1196 PG 895 YR 97 ST 244.00
Legal Subdivision	RAINTREE
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	2
Census Block	2011
Census Tract	31202

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	3486 RAINTREE DR, HUDSON, NC 28638-9116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Jul 27, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPS FCU
Feb 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 1997 · Amount on File
Deed Sale	Aug 1, 1997 · Amount on File
Deed Book / Page	1196 / 895
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Recording Date	Jul 16, 2026
Property Address	3486 RAINTREE DR, HUDSON, NC 28638-9116
Document Number	0010121052
Book / Page	2170 / 1152
Instrument Date	Jul 10, 2026
Instrument	202610121052
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3486 RAINTREE DR, HUDSON, NC 28638-9116

Mortgage

Document Number	0010121052,
Date	Jul 16, 2026
Book Page	2170/1152
Instrument	202610121052

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	3486 RAINTREE DR, HUDSON, NC 28638-9116
Document Number	0010047089
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3486 RAINTREE DR HUDSON NC 286389116, HUDSON, NC 28638-9116

Mortgage

Document Number	0010047089
Date	Aug 12, 2020
Book Page	001995/001685
Instrument	10047089

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	HICKORY, NC 28603

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	3486 RAINTREE DR, HUDSON, NC 28638-9116
Document Number	0010041251
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3486 RAINTREE DR HUDSON NC 286389116, HUDSON, NC 28638-9116

Mortgage

Document Number	0010041251
Date	Feb 14, 2020
Book Page	001981/001376
Instrument	10041251

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 13, 2030

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Caldwell County
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,742.00 (-4.76%)	$285,700 (-) Land $19,800 Building $265,900
2025	$1,829.00 (+44.36%)	$285,700 (+69.45%) Land $19,800 Building $265,900	$285,700 (+69.45%) Land $19,800 Building $265,900
2023		$168,600 (-) Land $19,800 Building $148,800	$168,600 (-) Land $19,800 Building $148,800
2022	$1,267.00	$168,600 Land $19,800 Building $148,800	$168,600 Land $19,800 Building $148,800

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	CALDWELL CO WATER SYSTEM-SE serves 15,710 people · EPA ID NC0114047
Water Source	Purchased surface water from several systems
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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