Caldwell County property record for 4376 Lower Cedar Valley Rd, Hudson, NC 28638
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,388 sqft · built 1997 |
| Lot Size | 8.56 acres (372,874 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,710 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08 51 1 44 |
| Primary APN | 08 51 1 44 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,388 sqft Heated Area |
| Gross Area | 4,332 sqft |
| 1st Floor Area | 2,388 sqft |
| Basement Area | 1,320 sqft |
| Unfinished Basement | 1,320 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 372,874 sqft (8.56 acres) |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 648 sqft |
| Porch | Slab |
| Porch Area | 224 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 98067 |
|---|---|
| Street Address | 4376 LOWER CEDAR VALLEY RD |
| City | HUDSON |
| State | NC |
| Zip | 28638-9239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1143 PG 281 YR 95 |
| Legal Subdivision | H T BEAN |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LOVELADY |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 31202 |
4376 Lower Cedar Valley Rd is owned and occupied by two individuals.
Source: Caldwell County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4376 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9239 |
| 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 |
|---|---|
| May 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 31, 2017 | Deed of Trust, Mortgage · Line of Credit STATE EMPS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4376 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9239 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0020220126 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 2022/126 |
| Instrument | 10057764 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4376 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9239 |
| Document Number | 0010013783 |
| Book / Page | 001924 / 000046 |
| Instrument Date | Jul 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2017 |
| Name | Verified Name |
|---|---|
| Address | 4376 LOWER CEDAR VALLEY RD HUDSON NC 286389239, HUDSON, NC 28638-9239 |
| Document Number | 0010013783 |
|---|---|
| Date | Aug 3, 2017 |
| Book Page | 001924/000046 |
| Instrument | 10013783 |
| Name | STATE EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | GRANITE FALLS, NC 28630 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 4376 Lower Cedar Valley Rd was $2,710, 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 | $2,710.00 (-4.85%) | $446,700 (-) Land $68,200 Building $378,500 | |
| 2025 | $2,848.00 | $446,700 Land $68,200 Building $378,500 | $446,700 Land $68,200 Building $378,500 |
| 2023 | $206,200 (-) Land $61,300 Building $144,900 | $206,200 (-) Land $61,300 Building $144,900 | |
| 2022 | $1,545.00 | $206,200 Land $61,300 Building $144,900 | $206,200 Land $61,300 Building $144,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4376 Lower Cedar Valley Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 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 risk around 4376 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 35 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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