540 Central St, Hudson, NC 28638 Property Records

Caldwell County property record for 540 Central St, Hudson, NC 28638

Property Summary

Property Type	Commercial
Details	1 ba · 1,920 sqft · built 1945
Lot Size	0.132 acres (5,760 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Nov 2022)
Tax Bill	$715 (2026)
Deeds & Mortgages	Nov 2022 Sale May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03 3 1 6`

Property Details

APN / Parcel Number

Primary APN	`03 3 1 6`
Alternative APNs	`136865` `176301`

Interior

Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,920 sqft Heated Area
Gross Area	3,120 sqft
1st Floor Area	1,920 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1981
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Urethane Foam
Lot Area	5,760 sqft (0.132 acres)
Lot Dimensions	180 ft deep x 32 ft wide
Canopy	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	176301
Street Address	540 CENTRAL ST
City	HUDSON
State	NC
Zip	28638-2401
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	BK 2071 PG 1367 YR 22 ST 230.00
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	2
Census Block	2030
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	Individual Name on Record
Mailing Address	PO BOX 462, HUDSON, NC 28638-0462
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Warranty Deed, Transfer
May 22, 2017	Deed of Trust, Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2022 · Amount on Record
Deed Sale	Nov 22, 2022 · Amount on Record
Prior Sale	Mar 9, 1998 · Amount on Record
Deed Document Number	202210078973
Deed Book / Page	2071 / 1367
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Nov 22, 2022
Property Address	540 CENTRAL ST, HUDSON, NC 28638-2401
Document Number	0020711367
Book / Page	2071 / 1367
Instrument Date	Nov 22, 2022
Instrument	10078973
Transaction Type	Transfer
Record Updated	Jan 26, 2023

Transaction

Amount	Amount Recorded
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	197 EAST ST, HUDSON, NC 28638-2611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 462, HUDSON, NC 28638-0462

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	540 CENTRAL ST, HUDSON, NC 28638-2401
Document Number	0010011599
Book / Page	001919 / 001031
Instrument Date	May 22, 2017
Transaction Type	Mortgage
Record Updated	Jun 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	538 CENTRAL ST HUDSON NC 286382401, HUDSON, NC 28638-2401

Mortgage

Document Number	0010011599
Date	May 22, 2017
Book Page	001919/001031
Instrument	10011599

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$715.00 (-20.99%)	$116,000 (-) Land $29,400 Building $86,600
2025	$905.00 (+19.55%)	$116,000 (+17.05%) Land $29,400 Building $86,600	$116,000 (+17.05%) Land $29,400 Building $86,600
2023		$99,100 (-) Land $20,700 Building $78,400	$99,100 (-) Land $20,700 Building $78,400
2022	$757.00	$99,100 Land $20,700 Building $78,400	$99,100 Land $20,700 Building $78,400

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	0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LENOIR serves 26,388 people · EPA ID NC0114010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2021
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ripple Fiber.

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