12012 Saddle Back Trl, Stanfield, NC 28163 Property Records

Stanly County property record for 12012 Saddle Back Trl, Stanfield, NC 28163

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,284 sqft · built 2020
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Jun 2026)
Tax Bill	$2,328 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`556404606168`

Property Details

APN / Parcel Number

Primary APN	`556404606168`
Alternative APNs	`1556141` `1533250` `139941`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,284 sqft Finished Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	39,204 sqft (0.9 acres)
Garage Type	Attached
Garage Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1556141
Street Address	12012 SADDLE BACK TRL
City	STANFIELD
State	NC
Zip	28163-0047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 12012 SADDLE BACK TR LOT 6/STANLY FARMS PH 3 556404065
Legal Subdivision	MAJOR SUBDIVISION STANLY FARMS PHASE 3
Legal Lot Number	6
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	1
Census Block	1014
Census Tract	930802

Owner

12012 Saddle Back Trl is owned and occupied by two individuals who bought it in June 2026.

Source: Stanly County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12012 SADDLE BACK TRL, STANFIELD, NC 28163-0047
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 18, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jan 24, 2023	Deed of Trust, Mortgage · Line of Credit SKYLA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Deed Document Number	2026489006
Deed Book / Page	1922 / 1439
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jun 18, 2026
Property Address	12012 SADDLE BACK TRL, STANFIELD, NC 28163-0047
Document Number	0000489006
Book / Page	1922 / 1439
Instrument Date	Jun 16, 2026
Instrument	2026489006
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12012 SADDLE BACK TRL, STANFIELD, NC 28163-0047

Mortgage

Document Number	0000489007,
Date	Jun 18, 2026
Instrument	2026489007

Lender

Name	NEW AMERICAN FUNDING

Agreement

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

Interest

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

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANLY NC
Property Address	12012 SADDLE BACK TRL, STANFIELD, NC 28163-0047
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12012 SADDLE BACK TRL, STANFIELD, NC 28163-0047

Mortgage

Document Number	0000454845
Date	Jan 24, 2023
Book Page	1811/12
Instrument	454845

Lender

Name	SKYLA FCU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 12012 Saddle Back Trl was $2,328.

Source: Stanly County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Stanly County
Unified School District	Stanly County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,328.00	$369,657 (-) Land $58,320 Building $311,337	$369,657 (-) Land $58,320 Building $311,337
2025	$2,328.00	$369,657 Land $58,320 Building $311,337	$369,657 Land $58,320 Building $311,337
2023	$2,039.00	$279,402 Land $43,740 Building $235,662	$279,402 Land $43,740 Building $235,662

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

Flood

FEMA maps place 12012 Saddle Back Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 30, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 12012 Saddle Back Trl 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	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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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