565 Circle Dr, Hudson, NC 28638 Property Records

Caldwell County property record for 565 Circle Dr, Hudson, NC 28638

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,092 sqft · built 1984
Lot Size	0.989 acres (43,068 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Sep 2023)
Tax Bill	$1,475 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03 85 4 1`

Property Details

APN / Parcel Number

Primary APN	`03 85 4 1`
Alternative APNs	`157842` `178555`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Heated Area
Gross Area	2,982 sqft
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,068 sqft (0.989 acres)
Lot Dimensions	291 ft deep x 148 ft wide
Garage Type	Carport
Garage Area	390 sqft
Carport	Carport
Carport Area	390 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	120 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	178555
Street Address	565 CIRCLE DR
City	HUDSON
State	NC
Zip	28638-2520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2092 PG 464 YR 23 ST 500.00
Legal Subdivision	DR MOORE PROPERTY
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	1
Census Block	1001
Census Tract	30600

Owner

565 Circle Dr is owned and occupied by an individual who bought it in September 2023.

Source: Caldwell County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	565 CIRCLE DR, HUDSON, NC 28638-2520
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 1, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 22, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2023 · Amount on File
Deed Sale	Sep 1, 2023 · Amount on File
Prior Sale	Sep 8, 2006 · Amount on File
Deed Document Number	202310088116
Deed Book / Page	2092 / 464
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Recording Date	Apr 20, 2026
Property Address	565 CIRCLE DR, HUDSON, NC 28638-2520
Document Number	0010117973
Book / Page	2162 / 1453
Instrument Date	Apr 14, 2026
Instrument	202610117973
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 CIRCLE DR, HUDSON, NC 28638-2520

Mortgage

Document Number	0010117973,
Date	Apr 20, 2026
Book Page	2162/1453
Instrument	202610117973

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Sep 1, 2023
Property Address	565 CIRCLE DR, HUDSON, NC 28638-2520
Document Number	0020920464
Book / Page	2092 / 464
Map Reference	MB 4 PG 12
Instrument Date	Sep 1, 2023
Instrument	10088116
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 CIRCLE DR, HUDSON, NC 28638-2520

Mortgage

Document Number	0010088117
Date	Sep 1, 2023
Instrument	10088117

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Dec 22, 2017
Property Address	565 CIRCLE DR, HUDSON, NC 28638-2520
Book / Page	001932 / 002097
Instrument Date	Dec 13, 2017
Instrument	10018106
Transaction Type	Transfer
Record Updated	Apr 25, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	561 CIRCLE DR HUDSON NC 286382520, HUDSON, NC 28638-2520

Mortgage

Document Number	0010018106
Date	Dec 22, 2017
Book Page	001932/002103
Instrument	10018106

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 565 Circle Dr was $1,475, down 20.8% from the year before.

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	$1,475.00 (-20.78%)	$236,400 (-) Land $26,000 Building $210,400
2025	$1,862.00	$236,400 Land $26,000 Building $210,400	$236,400 Land $26,000 Building $210,400
2023		$133,500 (-) Land $26,000 Building $107,500	$133,500 (-) Land $26,000 Building $107,500
2022	$1,038.00	$133,500 Land $26,000 Building $107,500	$133,500 Land $26,000 Building $107,500

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

Flood

FEMA maps place 565 Circle Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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
Nearby Flood Claims	1 (2004)
Most Recent Claim	May 2004 · rainfall accumulation

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

Wildfire risk around 565 Circle Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	None beyond ember reach

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

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 87 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

May also be available: AT&T, Brightspeed, Ripple Fiber.

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