4397 Horseshoe Bend Rd, Hudson, NC 28638 Property Records

Caldwell County property record for 4397 Horseshoe Bend Rd, Hudson, NC 28638

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,450 sqft · built 1996
Lot Size	0.474 acres (20,640 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,770 (2026)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03 81 1 86`

Property Details

APN / Parcel Number

Primary APN	`03 81 1 86`
Alternative APN	`158080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,450 sqft Heated Area
Gross Area	4,054 sqft
1st Floor Area	1,450 sqft
Basement Area	1,450 sqft
Unfinished Basement	1,450 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,640 sqft (0.474 acres)
Lot Dimensions	172 ft deep x 120 ft wide
Garage Type	Finished
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	350 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	158080
Street Address	4397 HORSESHOE BEND RD
City	HUDSON
State	NC
Zip	28638-8849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1882 PG 719 YR 2015 ST 288.00
Legal Subdivision	HUDSON TOWNSHIP
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	4
Census Block	4045
Census Tract	30700

Owner

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	4397 HORSESHOE BEND RD, HUDSON, NC 28638-8849
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Recording Date	May 6, 2026
Property Address	4397 HORSESHOE BEND RD, HUDSON, NC 28638-8849
Document Number	0010118509
Book / Page	2164 / 164
Instrument Date	May 1, 2026
Instrument	202610118509
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4397 HORSESHOE BEND RD, HUDSON, NC 28638-8849

Mortgage

Document Number	0010118509,
Date	May 6, 2026
Book Page	2164/164
Instrument	202610118509

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Caldwell County
Municipality	Sawmills Town
Unified School District	Caldwell County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,770.00 (-4.52%)	$316,700 (-) Land $25,900 Building $290,800
2025	$2,901.00 (+88.5%)	$316,700 (+95.86%) Land $25,900 Building $290,800	$316,700 (+95.86%) Land $25,900 Building $290,800
2023		$161,700 (-) Land $22,300 Building $139,400	$161,700 (-) Land $22,300 Building $139,400
2022	$1,539.00	$161,700 Land $22,300 Building $139,400	$161,700 Land $22,300 Building $139,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 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
AT&T DSL	100 / 20