Caldwell County property record for 4285 Lower Cedar Valley Rd, Hudson, NC 28638
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,618 sqft · built 1964 |
| Lot Size | 0.492 acres (21,442 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,252 (2026) |
| Deeds & Mortgages | Sep 2019 Mortgage Jun 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 08 62 1 14 |
| Primary APN | 08 62 1 14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,618 sqft Heated Area |
| Gross Area | 3,268 sqft |
| 1st Floor Area | 1,618 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,442 sqft (0.492 acres) |
| Lot Dimensions | 151 ft deep x 142 ft wide |
| Garage Type | Finished |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 232 sqft |
| Deck Area | 128 sqft |
| Patio Area | 318 sqft |
| Storage Building | Storage Building |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 131561 |
|---|---|
| Street Address | 4285 LOWER CEDAR VALLEY RD |
| City | HUDSON |
| State | NC |
| Zip | 28638-9238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1368 PG 408 YR 01 BY DEATH |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LOVELADY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 31403 |
4285 Lower Cedar Valley Rd is owned and occupied by an individual who acquired it in November 2001.
Source: Caldwell County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4285 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 |
|---|---|
| Sep 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BK |
| Jun 16, 2017 | Loan Modification, Mortgage CAPITAL BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2001 |
| Deed Sale | Nov 30, 2001 |
| Deed Book / Page | 1368 / 408 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4285 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9238 |
| Document Number | 0010037407 |
| Instrument Date | Sep 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 4285 LOWER CEDAR VALLEY RD HUDSON NC 286389238, HUDSON, NC 28638-9238 |
| Document Number | 0010037407 |
|---|---|
| Date | Oct 8, 2019 |
| Book Page | 001973/000189 |
| Instrument | 10037407 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 7, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4285 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9238 |
| Document Number | 0010017217 |
| Instrument Date | Jun 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4323 CRYSTAL ERICA LN CHARLOTTE NC 282142763, CHARLOTTE, NC 28214-2763 |
| Document Number | 0010017217 |
|---|---|
| Date | Nov 27, 2017 |
| Book Page | 001931/000497 |
| Instrument | 10017217 |
| Name | CAPITAL BK |
|---|---|
| Type | Bank |
| Address | GRANITE FALLS, NC 28630 |
| Term | 120 Months |
|---|---|
| Due | Nov 26, 2027 |
The 2026 property tax bill for 4285 Lower Cedar Valley Rd was $1,252, down 4.8% 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 | $1,252.00 (-4.79%) | $204,400 (-) Land $16,900 Building $187,500 | |
| 2025 | $1,315.00 | $204,400 Land $16,900 Building $187,500 | $204,400 Land $16,900 Building $187,500 |
| 2023 | $143,800 (-) Land $16,900 Building $126,900 | $143,800 (-) Land $16,900 Building $126,900 | |
| 2022 | $1,084.00 | $143,800 Land $16,900 Building $126,900 | $143,800 Land $16,900 Building $126,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4285 Lower Cedar Valley Rd 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 4285 Lower Cedar Valley Rd 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 | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures