1604 Sanders Rd, Stem, NC 27581 Property Records

Granville County property record for 1604 Sanders Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,742 sqft · built 2004
Lot Size	3.04 acres (132,422 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Nov 2007)
Tax Bill	$3,845 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2027-48296302`

Property Details

APN / Parcel Number

Primary APN	`2027-48296302`
Alternative APNs	`088914339730` `088914 004` `48296302`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,742 sqft Heated Area
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	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	132,422 sqft (3.04 acres)
Garage Type	Attached
Garage Area	1,724 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	314 sqft
Patio Area	140 sqft
Shed	1 Shed
Shed Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	48296302
Street Address	1604 SANDERS RD
City	STEM
State	NC
Zip	27581-9574
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR40
Legal Description	LOT 4
Legal Subdivision	BEN A GENTRY JR SURV
Legal Lot Number	4
Jurisdiction	GRANVILLE NC
Township / Civil Division	TALLY HO
Census Block Group	3
Census Block	3038
Census Tract	970701

Owner

Source: Granville County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1604 SANDERS RD, STEM, NC 27581-9574
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 24, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COASTAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2007 · Amount on Record
Deed Sale	Nov 20, 2007 · Amount on Record
Deed Book / Page	1240 / 689
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	1604 SANDERS RD, STEM, NC 27581-9574
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001815/824
Date	Jan 5, 2021
Book Page	1815/824

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	1604 SANDERS RD, STEM, NC 27581-9574
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001724/016
Date	Apr 24, 2019
Book Page	1724/016

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	BUTNER, NC 27509

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	1604 SANDERS RD, STEM, NC 27581-9574
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001905/878
Date	Jun 2, 2022
Book Page	1905/878

Lender

Name	COASTAL FCU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	May 25, 2032

Tax Assessment & Valuation

Source: Granville County assessment roll, as of September 23, 2025

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
2025	$3,845.00 (+46.31%)	$540,349 (+92.13%) Land $63,283 Building $477,066
2024			$540,349 (+92.13%) Land $63,283 Building $477,066
2023	$2,628.00 (+1.04%)	$281,236 (+0.26%) Land $37,110 Building $244,126	$281,236 (+0.26%) Land $37,110 Building $244,126
2022	$2,601.00	$280,520 Land $36,394 Building $244,126	$280,520 Land $36,394 Building $244,126

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 July 20, 2022 · 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	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

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 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

5G (outdoors only) and 4G LTE

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