Caldwell County property record for 408 Birch Circle Dr, Hudson, NC 28638
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,432 sqft · built 1977 |
| Lot Size | 0.548 acres (23,874 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $344,000 (Aug 2026) |
| Tax Bill | $1,447 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Sep 2025 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 99414 |
| Primary APN | 99414 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,432 sqft Heated Area |
| Gross Area | 3,657 sqft |
| 1st Floor Area | 1,432 sqft |
| Basement Area | 1,652 sqft |
| Unfinished Basement | 1,652 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Asbestos |
| Lot Area | 23,874 sqft (0.548 acres) |
| Lot Dimensions | 173 ft deep x 138 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Area | 648 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 54 sqft |
| Deck Area | 519 sqft |
| Patio Area | 519 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 99414 |
|---|---|
| Street Address | 408 BIRCH CIRCLE DR |
| City | HUDSON |
| State | NC |
| Zip | 28638-9703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1159 PG 0424 YR 96 ST 178.00 |
| Legal Subdivision | SOUTHERN HILLS DEV |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | HUDSON |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 30700 |
408 Birch Circle Dr is owned and occupied by two individuals who bought it in August 2026.
Source: Caldwell County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 BIRCH CIRCLE DR, HUDSON, NC 28638-9703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 7, 2026 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE |
| Sep 10, 2025 | Deed, Transfer |
| Jun 1, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Sep 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Apr 5, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2026 · Amount on File |
| Deed Sale | Aug 7, 2026 · Amount on File |
| Prior Sale | Apr 1, 1996 · Amount on File |
| Deed Document Number | 202610121858 |
| Deed Book / Page | 2172 / 1008 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Aug 7, 2026 |
| Property Address | 408 BIRCH CIRCLE DR, HUDSON, NC 28638-9703 |
| Document Number | 0010121858 |
| Book / Page | 2172 / 1008 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202610121858 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $69,488.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 408 BIRCH CIRCLE DR, HUDSON, NC 28638-9703 |
| Document Number | 0010121859, |
|---|---|
| Date | Aug 7, 2026 |
| Instrument | 202610121859 |
| Name | ATLANTIC BAY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0010121860, |
|---|---|
| Date | Aug 7, 2026 |
| Book Page | 2172/1027 |
| Instrument | 202610121860 |
| Name | HOUSING FINANCE AGENCY NC |
|---|
| Amount | Amount on Record |
|---|
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Sep 10, 2025 |
| Property Address | 408 BIRCH CIRCLE DR, HUDSON, NC 28638-9703 |
| Document Number | 0021441448 |
| Book / Page | 2144 / 1448 |
| Instrument Date | Aug 7, 2025 |
| Instrument | 10110744 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 408 BIRCH CIRCLE DR, HUDSON, NC 28638-9703 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 408 BIRCH CIRCLE DR, HUDSON, NC 28638-9703 |
| Document Number | 0020850294 |
|---|---|
| Date | Jun 1, 2023 |
| Book Page | 2085/294 |
| Instrument | 10085046 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MORGANTON, NC 28655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 24, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 408 BIRCH CIRCLE DR, HUDSON, NC 28638-9703 |
| Document Number | 0010048249 |
| Instrument Date | Sep 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 408 BIRCH CIRCLE DR HUDSON NC 286389703, HUDSON, NC 28638-9703 |
| Document Number | 0010048249 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 001998/001060 |
| Instrument | 10048249 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 14, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 408 BIRCH CIRCLE DR, HUDSON, NC 28638-9703 |
| Document Number | 0010021087 |
| Instrument Date | Apr 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 408 BIRCH CIRCLE DR HUDSON NC 286389703, HUDSON, NC 28638-9703 |
| Document Number | 0010021087 |
|---|---|
| Date | Apr 9, 2018 |
| Book Page | 001938/002153 |
| Instrument | 10021087 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 8, 2033 |
The 2026 property tax bill for 408 Birch Circle Dr was $1,447, down 4.7% from the year before.
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 | $1,447.00 (-4.68%) | $231,800 (+0.04%) Land $20,300 Building $211,500 | |
| 2025 | $1,518.00 (+31.09%) | $231,700 Land $20,300 Building $211,400 | $231,800 Land $20,300 Building $211,500 |
| 2024 | $1,158.00 | ||
| 2023 | $146,200 (-) Land $20,300 Building $125,900 | $146,200 (-) Land $20,300 Building $125,900 | |
| 2022 | $1,135.00 | $146,200 Land $20,300 Building $125,900 | $146,200 Land $20,300 Building $125,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 408 Birch Circle Dr 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 risk around 408 Birch Circle Dr is low, with a 0.02% 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 | 0.02% 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 67 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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