3537 Saddle Ridge Rd, Stem, NC 27581 Property Records

Granville County property record for 3537 Saddle Ridge Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,377 sqft · built 2013
Lot Size	1.85 acres (80,805 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Jun 2021)
Tax Bill	$3,182 (2025)
Deeds & Mortgages	Oct 2019 Second Mortgage Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`22662-26299304`

Property Details

APN / Parcel Number

Primary APN	`22662-26299304`
Alternative APNs	`087900427110` `087900 108` `1059193` `1139413`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,377 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	80,805 sqft (1.85 acres)
Garage Type	Attached
Garage Area	619 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	70 sqft
Deck Area	304 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1139413
Street Address	3537 SADDLE RIDGE RD
City	STEM
State	NC
Zip	27581-9277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR40
Legal Description	LOT 10 SADDLE RIDGE
Legal Subdivision	SADDLE RDG
Legal Lot Number	10
Jurisdiction	GRANVILLE NC
Township / Civil Division	TALLY HO
Census Block Group	1
Census Block	1011
Census Tract	970701

Owner

3537 Saddle Ridge Rd is owned and occupied by an individual who acquired it in June 2024.

Source: Granville County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	3537 SADDLE RIDGE RD, STEM, NC 27581-9277
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 30, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COASTAL FCU
Jun 10, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2021 · Amount on File
Deed Sale	Jun 10, 2021 · Amount on File
Prior Sale	Sep 2, 2014 · Amount on File
Deed Book / Page	1845 / 37
Last Transfer Date	Jun 3, 2024
Transfer Doc	002031/537
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3537 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1749/286
Date	Oct 30, 2019
Book Page	1749/286

Lender

Name	COASTAL FCU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2039

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Jun 10, 2021
Property Address	3537 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	1845/37
Book / Page	1845 / 37
Map Reference	MB 42 PG 44
Instrument Date	Jun 1, 2021
Transaction Type	Transfer
Record Updated	Jun 30, 2021

Transaction

Amount	Amount on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7001 SORREL PARK DR, 7001, MORRISVILLE, NC 27560-7877

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3537 SADDLE RIDGE RD, STEM, NC 27581-9277

Tax Assessment & Valuation

The 2025 property tax bill for 3537 Saddle Ridge Rd was $3,182.

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		$454,759 (+1.15%) Land $50,000 Building $404,759
2025	$3,182.00	$449,610 Land $50,000 Building $399,610	$454,759 (+1.15%) Land $50,000 Building $404,759
2024			$449,610 (+45.25%) Land $50,000 Building $399,610
2023	$2,797.00 (+0.39%)	$309,546 (-) Land $50,000 Building $259,546	$309,546 (-) Land $50,000 Building $259,546
2022	$2,786.00	$309,546 Land $50,000 Building $259,546	$309,546 Land $50,000 Building $259,546

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

Flood

FEMA maps place 3537 Saddle Ridge Rd in Zone X, an area of minimal flood risk.

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

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 3537 Saddle Ridge Rd is low, with a 0.02% 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	0.02% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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