2190 Sanders Rd, Stem, NC 27581 Property Records

Granville County property record for 2190 Sanders Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,862 sqft · built 1996
Lot Size	2.4 acres (104,544 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Aug 2020)
Tax Bill	$3,075 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19951-52209302`

Property Details

APN / Parcel Number

Primary APN	`19951-52209302`
Alternative APNs	`089904704259` `089904 054` `1043063`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,862 sqft Heated Area
Storm Shelter	Storm Shelter
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Storm Shutters	Storm Shutters
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	104,544 sqft (2.4 acres)
Garage Type	Unfinished
Garage Area	1 sqft

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	688 sqft
Deck Area	64 sqft
Patio Area	1 sqft
Shed	1 Shed
Shed Area	1 sqft
Lean-To	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1043063
Street Address	2190 SANDERS RD
City	STEM
State	NC
Zip	27581-9566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR40
Legal Description	2190 SANDERS RD
Legal Subdivision	VIRGINIA MICHELLE WHEELER & JE
Jurisdiction	GRANVILLE NC
Township / Civil Division	TALLY HO
Census Block Group	1
Census Block	1007
Census Tract	970601

Owner

Source: Granville County records, as of October 19, 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	2190 SANDERS RD, STEM, NC 27581-9566
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONS RELIABLE LENDING LLC
Aug 19, 2020	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE OF THE CAROLINAS
Aug 12, 2019	Warranty Deed, Transfer · Commercial Mortgage QUANTA FINANCE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2020 · Amount on Record
Deed Sale	Aug 19, 2020 · Amount on Record
Prior Sale	Aug 12, 2019 · Amount on Record
Deed Book / Page	1792 / 217
Prior Transfer Date	May 19, 2005
Prior Transfer Doc	001087/723
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	2190 SANDERS RD, STEM, NC 27581-9566
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2190 SANDERS RD, STEM, NC 27581-9566

Mortgage

Document Number	001927/950
Date	Nov 7, 2022
Book Page	1927/950

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Oct 28, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	2190 SANDERS RD, STEM, NC 27581-9566
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	CLEAREDGE TITLE, CLEAREDGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001868/586
Date	Oct 19, 2021
Book Page	1868/586

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company
Address	HOUSTON, TX 77057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Aug 19, 2020
Property Address	2190 SANDERS RD, STEM, NC 27581-9566
Document Number	001792/217
Book / Page	1792 / 217
Map Reference	MB 19 PG 99
Instrument Date	Aug 7, 2020
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1435 WEST BLVD MOREHEAD ST130, 1435, CHARLOTTE, NC 28208-7045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2190 SANDERS RD, STEM, NC 27581-9566

Mortgage

Document Number	0001792220
Date	Aug 19, 2020
Instrument	1792/220

Lender

Name	TOWNE MORTGAGE OF THE CAROLINAS
Type	Mortgage Company

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Aug 12, 2019
Property Address	2190 SANDERS RD, STEM, NC 27581-9566
Document Number	001737/872
Book / Page	1737 / 872
Map Reference	MB 19 PG 99
Instrument Date	Aug 7, 2019
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Tax	$534.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1435 W MOREHEAD ST STE 130, 130, CHARLOTTE, NC 28208-5208
Investor	Possibly a Property Investor

Mortgage

Document Number	0001737876
Date	Aug 12, 2019
Instrument	1737/876

Lender

Name	QUANTA FINANCE LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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
2026		$441,284 (-) Land $49,159 Building $392,125
2025	$3,075.00 (+33.46%)	$441,284 (+73.04%) Land $49,159 Building $392,125	$441,284 (-) Land $49,159 Building $392,125
2024			$441,284 (+73.04%) Land $49,159 Building $392,125
2023	$2,304.00 (+0.48%)	$255,013 (-) Land $32,266 Building $222,747	$255,013 (-) Land $32,266 Building $222,747
2022	$2,293.00	$255,013 Land $32,266 Building $222,747	$255,013 Land $32,266 Building $222,747

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	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

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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