642 Central St, Hudson, NC 28638 Property Records

Caldwell County property record for 642 Central St, Hudson, NC 28638

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,070 sqft · built 1974
Lot Size	0.402 acres (17,500 sqft)
Owner	2 Individual Names on File
Last Sale	$217,000 (Jul 2021)
Tax Bill	$1,987 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03 16 3 23`

Property Details

APN / Parcel Number

Primary APN	`03 16 3 23`
Alternative APN	`172217`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,070 sqft Heated Area
Gross Area	4,428 sqft
1st Floor Area	2,070 sqft
Basement Area	1,830 sqft
Unfinished Basement	1,830 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1990
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,500 sqft (0.402 acres)
Lot Dimensions	175 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	328 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	172217
Street Address	642 CENTRAL ST
City	HUDSON
State	NC
Zip	28638-2710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2029 PG 87 YR 2021 ST 434.00
Legal Subdivision	M T HICKMAN
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	3
Census Block	3002
Census Tract	30700

Owner

642 Central St is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	642 CENTRAL ST, HUDSON, NC 28638-2710
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on File
Deed Sale	Jul 30, 2021 · Amount on File
Deed Document Number	202110060699
Deed Book / Page	2029 / 87
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALDWELL NC
Recording Date	Jul 30, 2021
Property Address	642 CENTRAL ST, HUDSON, NC 28638-2710
Document Number	0020290087
Book / Page	2029 / 87
Map Reference	MB 3 PG 76
Instrument Date	Jul 29, 2021
Instrument	10060699
Transaction Type	Transfer
Record Updated	Oct 20, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$434.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 CENTRAL ST, HUDSON, NC 28638-2710

Mortgage

Document Number	10060700
Date	Jul 30, 2021
Instrument	10060700

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 642 Central St was $1,987, 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	$1,987.00 (-20.81%)	$319,400 (-) Land $15,100 Building $304,300
2025	$2,509.00	$319,400 Land $15,100 Building $304,300	$319,400 Land $15,100 Building $304,300
2023		$163,900 (-) Land $15,100 Building $148,800	$163,900 (-) Land $15,100 Building $148,800
2022	$1,270.00	$163,900 Land $15,100 Building $148,800	$163,900 Land $15,100 Building $148,800

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

Flood

FEMA maps place 642 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 642 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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