177 Saddle Ridge Dr, Willow Spring, NC 27592 Property Records

Johnston County property record for 177 Saddle Ridge Dr, Willow Spring, NC 27592

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,433 sqft · built 2003
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Oct 2018)
Tax Bill	$2,318 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13E04012W`

Property Details

APN / Parcel Number

Primary APN	`13E04012W`
Alternative APN	`2000213146`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,433 sqft Living Area
Gross Area	3,152 sqft
1st Floor Area	1,787 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	37,462 sqft (0.86 acres)
Garage Area	527 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	408 sqft
Deck Area	150 sqft
Storage Building	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000213146
Street Address	177 SADDLE RIDGE DR
City	WILLOW SPRING
State	NC
Zip	27592-7638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	LOT 58 SADDLE RIDGE 60/224
Legal Subdivision	SADDLE RIDGE
Legal Lot Number	58
Jurisdiction	JOHNSTON NC
Township / Civil Division	PLEASANT GROVE
Census Block Group	2
Census Block	2004
Census Tract	41504

Owner

Source: Johnston County records, as of September 24, 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	177 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7638
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Oct 20, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Oct 4, 2018	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Prior Sale	Nov 17, 2003 · Amount on Record
Deed Document Number	2018587207
Deed Book / Page	5227 / 635
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	177 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7638
Transaction Type	Mortgage
Record Updated	Feb 27, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7638

Mortgage

Document Number	0000004193
Date	Feb 15, 2024
Book Page	6617/343
Instrument	2024004193

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jan 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	177 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7638
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000684289
Date	Oct 20, 2020
Book Page	5730/410
Instrument	2020684289

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Oct 4, 2018
Property Address	177 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7638
Document Number	0000587207
Book / Page	5227 / 0635
Map Reference	MB 60 PG 224-227
Instrument Date	Sep 24, 2018
Instrument	2018587207
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	901 EASTHAM CT SW, 901, OCEAN ISLE BEACH, NC 28469-2000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7638

Mortgage

Document Number	0000587208
Date	Oct 4, 2018
Instrument	2018587208

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Johnston County assessment roll, as of September 24, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,318.00 (+52.7%) Disabled Person's exemption Veteran's exemption	$415,960 (+74.49%) Land $108,360 Building $307,600	$415,960 (+74.49%) Land $108,360 Building $307,600
2023	$1,518.00 Disabled Person's exemption Veteran's exemption	$238,380 Land $49,360 Building $189,020	$238,380 Land $49,360 Building $189,020

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.03% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JOHNSTON CO-WEST serves 99,027 people · EPA ID NC0351070
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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