109 Carriage Hill Dr, Stem, NC 27581 Property Records

Granville County property record for 109 Carriage Hill Dr, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,318 sqft · built 2005
Lot Size	0.402 acres (17,520 sqft)
Owner	Individual Name on File
Last Sale	$144,000 (May 2022)
Tax Bill	$2,623 (2025)
Deeds & Mortgages	May 2022 Sale Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30163-38556301`

Property Details

APN / Parcel Number

Primary APN	`30163-38556301`
Alternative APNs	`088914331959` `088914 055` `1037103` `1079053`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,318 sqft Heated Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,520 sqft (0.402 acres)
Porch	Slab
Porch Area	81 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1079053
Street Address	109 CARRIAGE HILL DR
City	STEM
State	NC
Zip	27581-9128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 108 CARRIAGE HILL
Legal Subdivision	CARRIAGE HILL
Legal Lot Number	108
Jurisdiction	GRANVILLE NC
Township / Civil Division	TALLY HO
Census Block Group	3
Census Block	3034
Census Tract	970701

Owner

109 Carriage Hill Dr is owned and occupied by an individual who bought it in May 2022.

Source: Granville County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	109 CARRIAGE HILL DR, STEM, NC 27581-9128
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
May 3, 2022	Warranty Deed, Transfer
Jul 19, 2018	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Apr 30, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2022 · Amount on File
Deed Sale	May 3, 2022 · Amount on File
Prior Sale	Apr 30, 2020 · Amount on File
Deed Document Number	20223666890003
Deed Book / Page	1901 / 850
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	May 3, 2022
Property Address	109 CARRIAGE HILL DR, STEM, NC 27581-9128
Document Number	001901/850
Book / Page	1901 / 850
Map Reference	MB 32 PG 136
Instrument Date	May 3, 2022
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Amount	Amount on Record
Tax	$288.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CARRIAGE HILL DR, STEM, NC 27581-9128

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	109 CARRIAGE HILL DR, STEM, NC 27581-9128
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1694/070
Date	Jul 19, 2018
Book Page	1694/070

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Apr 30, 2020
Property Address	109 CARRIAGE HILL DR, STEM, NC 27581-9128
Document Number	1773/711
Book / Page	1773 / 711
Map Reference	MB 32 PG 136
Instrument Date	Apr 29, 2020
Transaction Type	Transfer
Record Updated	Oct 5, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CARRIAGE HILL DR, STEM, NC 27581-9128

Mortgage

Document Number	1773714
Date	Apr 30, 2020
Instrument	1773/714

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 109 Carriage Hill Dr was $2,623.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$249,335 (-) Land $37,000 Building $212,335
2025	$2,623.00	$249,335 Land $37,000 Building $212,335	$249,335 (-) Land $37,000 Building $212,335
2024			$249,335 (+77.89%) Land $37,000 Building $212,335
2023	$1,978.00 (+1.07%)	$140,164 (-) Land $25,000 Building $115,164	$140,164 (-) Land $25,000 Building $115,164
2022	$1,957.00	$140,164 Land $25,000 Building $115,164	$140,164 Land $25,000 Building $115,164

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

Flood

FEMA maps place 109 Carriage Hill Dr 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
Nearby Flood Claims	6 (1998–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Jul 2023 · river or lake flooding

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 109 Carriage Hill 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 103 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

Cell Coverage

4G LTE only, no 5G reported

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