Caldwell County property record for 4384 Lower Cedar Valley Rd, Hudson, NC 28638
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,056 sqft · built 1995 |
| Lot Size | 0.742 acres (32,336 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $110,000 (Aug 2017) |
| Tax Bill | $1,243 (2026) |
| Deeds & Mortgages | Aug 2017 Sale & Mortgage Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08 51 1 55 |
| Primary APN | 08 51 1 55 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,056 sqft Heated Area |
| Gross Area | 2,210 sqft |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 32,336 sqft (0.742 acres) |
| Lot Dimensions | 172 ft deep x 188 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 18 sqft |
| Deck Area | 80 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 161990 |
|---|---|
| Street Address | 4384 LOWER CEDAR VALLEY RD |
| City | HUDSON |
| State | NC |
| Zip | 28638-9239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1924 PG 2139 YR 2017 ST 220.00 |
| Legal Subdivision | M H ANNAS |
| Jurisdiction | CALDWELL NC |
| Township / Civil Division | LOVELADY |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 31202 |
Source: Caldwell County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4384 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2017 | Warranty Deed, Transfer STATE EMPS FCU |
| Feb 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2017 · Amount on Record |
| Deed Sale | Aug 17, 2017 · Amount on Record |
| Prior Sale | May 1, 1995 · Amount on Record |
| Deed Book / Page | 1924 / 2139 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALDWELL NC |
| Recording Date | Aug 17, 2017 |
| Property Address | 4384 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9239 |
| Document Number | 0010014229 |
| Book / Page | 001924 / 002140 |
| Instrument Date | Aug 17, 2017 |
| Instrument | 10014229 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4384 LOWER CEDAR VALLEY RD HUDSON NC 286389239, HUDSON, NC 28638-9239 |
| Document Number | 10014230 |
|---|---|
| Date | Aug 17, 2017 |
| Book Page | 001924/002141 |
| Instrument | 10014230 |
| Name | STATE EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611-5279 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 16, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4384 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9239 |
| Document Number | 0010008535 |
| Book / Page | 001913 / 000776 |
| Instrument Date | Feb 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2017 |
| Title Company | ACCURATE TITLE GROUP, ACCURATE TITLE GRP |
| Name | Verified Name |
|---|---|
| Address | 4384 LOWER CEDAR VALLEY RD HUDSON NC 286389239, HUDSON, NC 28638-9239 |
| Document Number | 0010008535 |
|---|---|
| Date | Feb 13, 2017 |
| Book Page | 001913/000776 |
| Instrument | 10008535 |
| Name | STATE EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611-5279 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 12, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
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 | $1,243.00 (-21.03%) | $202,800 (-) Land $21,400 Building $181,400 | |
| 2025 | $1,574.00 (+64.64%) | $202,800 (+60.44%) Land $21,400 Building $181,400 | $202,800 (+60.44%) Land $21,400 Building $181,400 |
| 2023 | $126,400 (-) Land $21,400 Building $105,000 | $126,400 (-) Land $21,400 Building $105,000 | |
| 2022 | $956.00 | $126,400 Land $21,400 Building $105,000 | $126,400 Land $21,400 Building $105,000 |
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 · 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.
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 61 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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