626 Central St, Hudson, NC 28638 Property Records

Caldwell County property record for 626 Central St, Hudson, NC 28638

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,476 sqft · built 1974
Lot Size	0.379 acres (16,500 sqft)
Owner	Individual Name on File
Last Sale	$84,000 (Jun 2009)
Tax Bill	$1,503 (2026)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03 16 3 20`

Property Details

APN / Parcel Number

Primary APN	`03 16 3 20`
Alternative APNs	`138791` `98979`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,476 sqft Heated Area
Gross Area	3,534 sqft
1st Floor Area	1,476 sqft
Basement Area	1,476 sqft
Finished Basement	487 sqft
Unfinished Basement	989 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,500 sqft (0.379 acres)
Lot Dimensions	165 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Patio
Porch Area	360 sqft
Deck Area	110 sqft
Patio Area	112 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	98979
Street Address	626 CENTRAL ST
City	HUDSON
State	NC
Zip	28638-2710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1715 PG 1132 YR 09 ST 168.00
Legal Subdivision	MT HICKMAN
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	3
Census Block	3002
Census Tract	30700

Owner

626 Central St is owned by an individual who bought it in June 2009.

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

Owner of Record	Individual Name on File
Mailing Address	HUDSON, NC 28638
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2009 · Amount on File
Deed Sale	Jun 26, 2009 · Amount on File
Prior Sale	Jan 26, 2009 · Amount on File
Deed Book / Page	1715 / 1132
Prior Transfer Date	Jan 22, 2009
Prior Transfer Doc	0017010150
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	626 CENTRAL ST, HUDSON, NC 28638-2710
Document Number	0010008890
Book / Page	001914 / 000063
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 CENTRAL ST HUDSON NC 286382710, HUDSON, NC 28638-2710

Mortgage

Document Number	0010008890
Date	Feb 24, 2017
Book Page	001914/000063
Instrument	10008890

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2026 property tax bill for 626 Central St was $1,503, down 20.7% 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	$1,503.00 (-20.73%)	$240,800 (-) Land $14,800 Building $226,000
2025	$1,896.00	$240,800 Land $14,800 Building $226,000	$240,800 Land $14,800 Building $226,000
2023		$123,800 (-) Land $14,800 Building $109,000	$123,800 (-) Land $14,800 Building $109,000
2022	$964.00	$123,800 Land $14,800 Building $109,000	$123,800 Land $14,800 Building $109,000

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

Flood

FEMA maps place 626 Central St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 626 Central St is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

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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