Caldwell County property record for 4436 Lower Cedar Valley Rd, Hudson, NC 28638
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,104 sqft · built 1996 |
| Lot Size | 1.68 acres (73,593 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,364 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08 51 1 53 |
| Primary APN | 08 51 1 53 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,104 sqft Heated Area |
| Gross Area | 2,318 sqft |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Unfinished Basement | 1,104 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 73,593 sqft (1.68 acres) |
| Lot Dimensions | 333 ft deep x 221 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 30 sqft |
| Deck Area | 80 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 120694 |
|---|---|
| Street Address | 4436 LOWER CEDAR VALLEY RD |
| City | HUDSON |
| State | NC |
| Zip | 28638-9240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1460 PG 1434 YR 03 ST 0.00 |
| Legal Subdivision | LITTLE CRK ACRES |
| 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 | 4436 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Nov 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Mar 16, 2017 | Deed of Trust, Mortgage · Conventional with PMI STATE EMPS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2003 |
| Deed Sale | Jul 30, 2003 |
| Prior Sale | Apr 1, 1996 · Amount on Record |
| Deed Book / Page | 1460 / 1434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4436 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9240 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2022 |
| Title Company | AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0020581212 |
|---|---|
| Date | Jun 6, 2022 |
| Book Page | 2058/1212 |
| Instrument | 10073183 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4436 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9240 |
| Document Number | 0010052992 |
| Instrument Date | Jan 21, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4436 LOWER CEDAR VALLEY RD HUDSON NC 286389240, HUDSON, NC 28638-9240 |
| Document Number | 0010052992 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 002010/000806 |
| Instrument | 10052992 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 26, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4436 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9240 |
| Document Number | 0010038883 |
| Instrument Date | Nov 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4436 LOWER CEDAR VALLEY RD HUDSON NC 286389240, HUDSON, NC 28638-9240 |
| Document Number | 0010038883 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 001976/000906 |
| Instrument | 10038883 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 24, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL NC |
| Property Address | 4436 LOWER CEDAR VALLEY RD, HUDSON, NC 28638-9240 |
| Document Number | 0010009753 |
| Book / Page | 001915 / 001457 |
| Instrument Date | Mar 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2017 |
| Title Company | ACCURATE TITLE GROUP, ACCURATE TITLE GRP |
| Name | Verified Name |
|---|---|
| Address | 4436 LOWER CEDAR VALLEY RD HUDSON NC 286389240, HUDSON, NC 28638-9240 |
| Document Number | 0010009753 |
|---|---|
| Date | Mar 22, 2017 |
| Book Page | 001915/001457 |
| Instrument | 10009753 |
| Name | STATE EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611-5279 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 21, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
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 | $1,364.00 (-4.75%) | $222,900 (-) Land $26,000 Building $196,900 | |
| 2025 | $1,432.00 (+40.67%) | $222,900 (+65.23%) Land $26,000 Building $196,900 | $222,900 (+65.23%) Land $26,000 Building $196,900 |
| 2023 | $134,900 (-) Land $26,000 Building $108,900 | $134,900 (-) Land $26,000 Building $108,900 | |
| 2022 | $1,018.00 | $134,900 Land $26,000 Building $108,900 | $134,900 Land $26,000 Building $108,900 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 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.
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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