Caldwell County property record for 4278 Lower Cedar Valley Rd, Hudson, NC 28638
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,524 sqft · built 2000 |
| Lot Size | 0.489 acres (21,315 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (May 2002) |
| Tax Bill | $1,737 (2026) |
| Deeds & Mortgages | Dec 2022 Line of Credit Jun 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 08 62 1 2D |
| Primary APN | 08 62 1 2D |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,524 sqft Heated Area |
| Gross Area | 2,728 sqft |
| 1st Floor Area | 1,334 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,315 sqft (0.489 acres) |
| Lot Dimensions | 203 ft deep x 105 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,502 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 160 sqft |
| Patio Area | 200 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 110921 |
|---|---|
| Street Address | 4278 LOWER CEDAR VALLEY RD |
| City | HUDSON |
| State | NC |
| Zip | 28638-9238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1300 PG 878 YR 02 ST 210.00 |
| Legal Subdivision | FRANKLIN |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LOVELADY |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 31202 |
4278 Lower Cedar Valley Rd is owned and occupied by two individuals who bought it in May 2002.
Source: Caldwell County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4278 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9238 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Dec 20, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jun 22, 2017 | Loan Modification, Mortgage · Conventional with PMI US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2002 · Amount on File |
| Deed Sale | May 30, 2002 · Amount on File |
| Prior Sale | May 26, 2000 · Amount on File |
| Deed Book / Page | 1395 / 111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4278 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9238 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020730903 |
|---|---|
| Date | Dec 20, 2022 |
| Book Page | 2073/903 |
| Instrument | 10079809 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | GRANITE FALLS, NC 28630 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4278 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9238 |
| Document Number | 0019230227 |
| Book / Page | 001923 / 000227 |
| Instrument Date | Jun 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4278 LOWER CEDAR VALLEY RD HUDSON NC 286389238, HUDSON, NC 28638-9238 |
| Document Number | 0019230227 |
|---|---|
| Date | Jul 20, 2017 |
| Book Page | 001923/000227 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 19, 2047 |
The 2026 property tax bill for 4278 Lower Cedar Valley Rd was $1,737, down 21.2% from the year before.
Source: Caldwell County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Caldwell County |
| Unified School District | Caldwell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,737.00 (-21.15%) | $285,000 (-) Land $14,100 Building $270,900 | |
| 2025 | $2,203.00 | $285,000 Land $14,100 Building $270,900 | $285,000 Land $14,100 Building $270,900 |
| 2023 | $144,800 (-) Land $14,100 Building $130,700 | $144,800 (-) Land $14,100 Building $130,700 | |
| 2022 | $1,092.00 | $144,800 Land $14,100 Building $130,700 | $144,800 Land $14,100 Building $130,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4278 Lower Cedar Valley Rd in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 risk around 4278 Lower Cedar Valley Rd 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 | 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 | 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 |
| 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.
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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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