Caldwell County property record for 4095 Jay St, Hudson, NC 28638
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,408 sqft · built 1952 |
| Lot Size | 0.502 acres (21,875 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $56,000 (Jun 2012) |
| Tax Bill | $1,638 (2026) |
| Deeds & Mortgages | Jan 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03 34 2 54 |
| Primary APN | 03 34 2 54 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,408 sqft Heated Area |
| Gross Area | 2,099 sqft |
| 1st Floor Area | 1,408 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,875 sqft (0.502 acres) |
| Lot Dimensions | 116 ft deep x 163 ft wide |
| Garage Type | Finished |
| Garage Area | 615 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 76 sqft |
| Storage Building | Storage Building |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 153190 |
|---|---|
| Street Address | 4095 JAY ST |
| City | HUDSON |
| State | NC |
| Zip | 28638-9572 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1823 PG 796 YR 2013 ST 112.00 |
| Legal Subdivision | G C KING FARM |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | HUDSON |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 30700 |
Source: Caldwell County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4095 JAY ST, HUDSON, NC 28638-9572 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2012 · Amount on Record |
| Deed Sale | Jun 22, 2012 · Amount on Record |
| Prior Sale | Mar 16, 2004 · Amount on Record |
| Deed Book / Page | 1796 / 1261 |
| Prior Transfer Date | Jun 21, 2012 |
| Prior Transfer Doc | 0017961261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4095 JAY ST, HUDSON, NC 28638-9572 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Title Company | FITCO |
| Name | Verified Name |
|---|
| Document Number | 0021010545 |
|---|---|
| Date | Jan 23, 2024 |
| Book Page | 2101/545 |
| Instrument | 10092224 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | 3045 S PARKER RD # B-100, AURORA, CO 80014 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Municipality | Sawmills Town |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,638.00 (-17.36%) | $202,100 (-0.69%) Land $16,200 Building $185,900 | |
| 2025 | $1,982.00 (+89.12%) | $203,500 (+84.5%) Land $17,600 Building $185,900 | $202,100 (+83.23%) Land $16,200 Building $185,900 |
| 2023 | $110,300 (-) Land $17,600 Building $92,700 | $110,300 (-) Land $17,600 Building $92,700 | |
| 2022 | $1,048.00 | $110,300 Land $17,600 Building $92,700 | $110,300 Land $17,600 Building $92,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% 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 | TOWN OF SAWMILLS serves 5,588 people · EPA ID NC0114040 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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 134 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 |
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