3538 Saddle Ridge Rd, Stem, NC 27581 Property Records

Granville County property record for 3538 Saddle Ridge Rd, Stem, NC 27581 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,704 sqft · built 2004
Lot Size	1.62 acres (70,973 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Apr 2026)
Tax Bill	$2,482 (2025)
Deeds & Mortgages	Jan 2025 Second Mortgage Jan 2006 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`22756-7047301`

Property Details

APN / Parcel Number

Primary APN	`22756-7047301`
Alternative APNs	`087900521031` `087900 118` `7047301`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,704 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	Hip
Roof Material	Asphalt
Lot Area	70,973 sqft (1.62 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Deck Area	192 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7047301
Street Address	3538 SADDLE RIDGE RD
City	STEM
State	NC
Zip	27581-9277
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3538 SADDLE RIDGE RD
Legal Subdivision	SADDLE RDG
Jurisdiction	GRANVILLE NC
Township / Civil Division	TALLY HO
Census Block Group	1
Census Block	1009
Census Tract	970701

Owner

Source: Granville County records · APN 22756-7047301

Assessment roll updated September 23, 2025 · Last verified July 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 File
Mailing Address	3538 SADDLE RIDGE RD, STEM, NC 27581-9277
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SUN WEST MORTGAGE COMPANY INC
Jan 06, 2006	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COUNTRYWIDE HOME LOANS INC
Dec 13, 2007	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE BANK FSB
Dec 30, 2009	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 07, 2026	Warranty Deed, Transfer · Conventional Mortgage LANGLEY FEDERAL CREDIT UNION
Apr 07, 2026	Warranty Deed, Transfer · Conventional Mortgage LANGLEY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 07, 2026 · Amount on Record
Deed Sale	Apr 07, 2026 · Amount on Record
Prior Sale	Sep 15, 2004 · Amount on Record
Deed Book / Page	2067 / 66
Prior Transfer Date	Jul 01, 2015
Prior Transfer Doc	001556/690
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3538 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002012/62
Date	Jan 23, 2025
Book Page	2012/62

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	18303 GRIDLEY RD, CERRITOS, CA 90703

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2055

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3538 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001127/011
Date	Jan 06, 2006
Book Page	1127/011

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 01, 2021

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3538 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001244/218
Date	Dec 13, 2007
Book Page	1244/218

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2037

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3538 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001338/153
Date	Dec 30, 2009
Book Page	1338/153

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2040

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Apr 07, 2026
Property Address	3538 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	2067000066
Book / Page	2067 / 66
Instrument Date	Apr 07, 2026
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$73,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3538 SADDLE RIDGE RD, STEM, NC 27581-9277
Investor	Possibly a Property Investor

Mortgage

Document Number	2067000070,
Date	Apr 07, 2026
Book Page	2067/70

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Apr 07, 2026
Property Address	3538 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	0002067/66
Book / Page	2067 / 66
Instrument Date	Apr 07, 2026
Transaction Type	Transfer
Record Updated	Jul 02, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$73,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3538 SADDLE RIDGE RD, STEM, NC 27581-9277
Investor	Possibly a Property Investor

Mortgage

Document Number	2067000070,
Date	Apr 07, 2026
Book Page	2067/70

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Granville County records · Assessment roll updated September 23, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Granville County
Unified School District	Granville County Schools (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,482.00 (+23.91%)	$341,466 (+61.37%) Land $66,500 Building $274,966
2024			$341,466 (+61.37%) Land $66,500 Building $274,966
2023	$2,003.00 (+1.01%)	$211,598 (-) Land $40,000 Building $171,598	$211,598 (-) Land $40,000 Building $171,598
2022	$1,983.00	$211,598 Land $40,000 Building $171,598	$211,598 Land $40,000 Building $171,598

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Granville County (37077C), updated July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370779707011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 35 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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