648 Central St, Hudson, NC 28638 Property Records

Caldwell County property record for 648 Central St, Hudson, NC 28638

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,185 sqft · built 1973
Lot Size	0.402 acres (17,500 sqft)
Owner	2 Individual Names on File
Last Sale	$141,500 (Nov 1999)
Tax Bill	$2,021 (2026)
Deeds & Mortgages	Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03 16 3 24`

Property Details

APN / Parcel Number

Primary APN	`03 16 3 24`
Alternative APN	`109331`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,185 sqft Heated Area
Gross Area	4,481 sqft
1st Floor Area	1,975 sqft
Basement Area	1,975 sqft
Unfinished Basement	1,975 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
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
Carport	Carport

Exterior Amenities

Porch	Slab
Porch Area	51 sqft
Deck Area	270 sqft
Patio Area	498 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	109331
Street Address	648 CENTRAL ST
City	HUDSON
State	NC
Zip	28638-2710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1281 PG 1288 YR 1999 ST 283.00
Jurisdiction	CALDWELL NC
Township / Civil Division	HUDSON
Census Block Group	3
Census Block	3002
Census Tract	30700

Owner

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 File
Mailing Address	648 CENTRAL ST, HUDSON, NC 28638-2710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 1999 · Amount on File
Deed Sale	Nov 5, 1999 · Amount on File
Deed Book / Page	1281 / 1288
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL NC
Property Address	648 CENTRAL ST, HUDSON, NC 28638-2710
Document Number	0010034443
Instrument Date	Jun 26, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	648 CENTRAL ST HUDSON NC 286382710, HUDSON, NC 28638-2710

Mortgage

Document Number	0010034443
Date	Jul 8, 2019
Book Page	001966/001135
Instrument	10034443

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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	$2,021.00 (-4.71%)	$324,900 (-) Land $15,100 Building $309,800
2025	$2,121.00 (+60.08%)	$324,900 (+89.89%) Land $15,100 Building $309,800	$324,900 (+89.89%) Land $15,100 Building $309,800
2023		$171,100 (-) Land $15,100 Building $156,000	$171,100 (-) Land $15,100 Building $156,000
2022	$1,325.00	$171,100 Land $15,100 Building $156,000	$171,100 Land $15,100 Building $156,000

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	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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