1638 Crystal Ln, Stem, NC 27581 Property Records

Granville County property record for 1638 Crystal Ln, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,834 sqft · built 2001
Lot Size	1.34 acres (58,370 sqft)
Owner	2 Individual Names on File
Last Sale	$403,000 (May 2025)
Tax Bill	$2,496 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25597-25791301`

Property Details

APN / Parcel Number

Primary APN	`25597-25791301`
Alternative APNs	`098000713239` `098000 225` `86091301` `1085353`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,834 sqft Heated Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Roof Type	Hip
Roof Material	Asphalt
Lot Area	58,370 sqft (1.34 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	42 sqft
Balcony Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1085353
Street Address	1638 CRYSTAL LN
City	STEM
State	NC
Zip	27581-9587
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR40
Legal Description	LOT 10 KATHERINE WOODS
Legal Subdivision	KATHERINE WOODS
Legal Lot Number	10
Jurisdiction	GRANVILLE NC
Township / Civil Division	TALLY HO
Census Block Group	3
Census Block	3007
Census Tract	970701

Owner

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

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 File
Mailing Address	1638 CRYSTAL LN, STEM, NC 27581-9587
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 10, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIME MORTGAGE LENDING INC
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 12, 2025 · Amount on Record
Deed Sale	May 12, 2025 · Amount on Record
Prior Sale	Aug 10, 2022 · Amount on Record
Deed Book / Page	2024 / 472
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	1638 CRYSTAL LN, STEM, NC 27581-9587
Transaction Type	Mortgage
Record Updated	Feb 17, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 CRYSTAL LN, STEM, NC 27581-9587

Mortgage

Document Number	002058/717
Date	Feb 3, 2026
Book Page	2058/717

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD STE 175, BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jul 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Aug 10, 2022
Property Address	1638 CRYSTAL LN, STEM, NC 27581-9587
Document Number	0001916/22
Book / Page	1916 / 22
Map Reference	MB 24 PG 182
Instrument Date	Aug 9, 2022
Transaction Type	Transfer
Record Updated	Aug 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2087 LISA LN, 2087, CREEDMOOR, NC 27522-7222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 CRYSTAL LN, STEM, NC 27581-9587
Investor	Possibly a Property Investor

Mortgage

Document Number	0000191624
Date	Aug 10, 2022
Instrument	1916/24

Lender

Name	PRIME MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	1638 CRYSTAL LN, STEM, NC 27581-9587
Transaction Type	Mortgage
Record Updated	Jan 25, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001883/945
Date	Jan 13, 2022
Book Page	1883/945

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.95%
Type Change Date	Feb 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	4.95%
Index	5-Year CMT
Margin	2
Max Rate	8.95%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	1638 CRYSTAL LN, STEM, NC 27581-9587
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1782/644
Date	Jun 26, 2020
Book Page	1782/644

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

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	$2,496.00 (+31.78%)	$340,393 (+62.84%) Land $80,456 Building $259,937
2024			$340,393 (+62.84%) Land $80,456 Building $259,937
2023	$1,894.00 (+0.58%)	$209,034 (-) Land $41,717 Building $167,317	$209,034 (-) Land $41,717 Building $167,317
2022	$1,883.00	$209,034 Land $41,717 Building $167,317	$209,034 Land $41,717 Building $167,317

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	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

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

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