1086 Roberts Chapel Rd, Stem, NC 27581 Property Records

Granville County property record for 1086 Roberts Chapel Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,437 sqft · built 2004
Lot Size	5.14 acres (223,898 sqft)
Owner	2 Individual Names on File
Last Sale	$829,000 (Apr 2026)
Tax Bill	$4,573 (2025)
Deeds & Mortgages	Nov 2012 Reverse Mortgage Oct 2011 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22625-2019309`

Property Details

APN / Parcel Number

Primary APN	`22625-2019309`
Alternative APNs	`087900315370` `087900 106` `2019309`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,437 sqft Heated Area
Basement Area	1,244 sqft
Unfinished Basement	1,244 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Brick
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	223,898 sqft (5.14 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	562 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	2019309
Street Address	1086 ROBERTS CHAPEL RD
City	STEM
State	NC
Zip	27581-9559
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR40
Legal Description	1086 ROBERTS CHAPEL RD
Legal Subdivision	SADDLE RDG
Jurisdiction	GRANVILLE NC
Township / Civil Division	TALLY HO
Census Block Group	1
Census Block	1017
Census Tract	970701

Owner

1086 Roberts Chapel Rd is owned and occupied by two individuals who bought it in April 2026.

Source: Granville County records, as of October 19, 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	1086 ROBERTS CHAPEL RD, STEM, NC 27581-9559
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2012	Deed of Trust, Mortgage · Reverse Mortgage TOWNE BANK MORTGAGE
Oct 7, 2011	Deed of Trust, Mortgage · ARM LOANLEADERS OF AMERICA INC
Jul 14, 2006	Deed of Trust, Mortgage · Line of Credit THE FIDELITY BANK
Apr 21, 2026	Warranty Deed, Transfer · Conventional Mortgage ROUNDPOINT MORTGAGE COMPANY
Apr 21, 2026	Warranty Deed, Transfer · Conventional Mortgage ROUNDPOINT MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on File
Deed Sale	Apr 21, 2026 · Amount on File
Prior Sale	Jan 10, 2002 · Amount on File
Deed Book / Page	2068 / 807
Record Updated	Oct 29, 2026

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	1086 ROBERTS CHAPEL RD, STEM, NC 27581-9559
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001447/540
Date	Nov 5, 2012
Book Page	1447/540

Lender

Name	TOWNE BANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	1086 ROBERTS CHAPEL RD, STEM, NC 27581-9559
Transaction Type	Mortgage
Record Updated	May 5, 2026
Title Company	TRUE CONCEPT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01404/0749
Date	Oct 7, 2011
Book Page	1404/0749

Lender

Name	LOANLEADERS OF AMERICA INC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Oct 1, 2016
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	1086 ROBERTS CHAPEL RD, STEM, NC 27581-9559
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001158/515
Date	Jul 14, 2006
Book Page	1158/515

Lender

Name	THE FIDELITY BANK
Type	Bank
Address	CREEDMOOR, NC 27522

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Apr 21, 2026
Property Address	1086 ROBERTS CHAPEL RD, STEM, NC 27581-9559
Document Number	2068000807
Book / Page	2068 / 807
Instrument Date	Apr 21, 2026
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167,458.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1086 ROBERTS CHAPEL RD, STEM, NC 27581-9559
Investor	Possibly a Property Investor

Mortgage

Document Number	2068000809,
Date	Apr 21, 2026
Book Page	2068/809

Lender

Name	ROUNDPOINT MORTGAGE COMPANY

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Apr 21, 2026
Property Address	1086 ROBERTS CHAPEL RD, STEM, NC 27581-9559
Document Number	002068/807
Book / Page	2068 / 807
Instrument Date	Apr 21, 2026
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167,458.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1086 ROBERTS CHAPEL RD, STEM, NC 27581-9559
Investor	Possibly a Property Investor

Mortgage

Document Number	2068000809,
Date	Apr 21, 2026
Book Page	2068/809

Lender

Name	ROUNDPOINT MORTGAGE COMPANY

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1086 Roberts Chapel Rd was $4,573.

Source: Granville County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Granville County
Unified School District	Granville County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$647,303 (-) Land $83,125 Building $564,178
2025	$4,573.00	$647,303 Land $83,125 Building $564,178	$647,303 (-) Land $83,125 Building $564,178
2024			$647,303 (+41.59%) Land $83,125 Building $564,178
2023	$4,187.00 (+0.5%)	$457,159 (-) Land $50,000 Building $407,159	$457,159 (-) Land $50,000 Building $407,159
2022	$4,166.00	$457,159 Land $50,000 Building $407,159	$457,159 Land $50,000 Building $407,159

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

Flood

FEMA maps place 1086 Roberts Chapel Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 1086 Roberts Chapel Rd 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	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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