3540 Saddle Ridge Rd, Stem, NC 27581 Property Records

Granville County property record for 3540 Saddle Ridge Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,961 sqft · built 2004
Lot Size	0.941 acres (41,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,000 (Apr 2018)
Tax Bill	$2,877 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22783-29218301`

Property Details

APN / Parcel Number

Primary APN	`22783-29218301`
Alternative APNs	`087900428311` `087900 119` `89336301`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,961 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	Gable
Roof Material	Asphalt
Lot Area	41,011 sqft (0.941 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	190 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	89336301
Street Address	3540 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	3540 SADDLE RIDGE RD
Legal Subdivision	SADDLE RIDGE
Jurisdiction	GRANVILLE NC
Township / Civil Division	TALLY HO
Census Block Group	1
Census Block	1009
Census Tract	970701

Owner

Source: Granville County records, as of July 21, 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	4072 SALEM FARM RD, OXFORD, NC 27565-9160
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 23, 2018	Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2018 · Amount on Record
Deed Sale	Apr 23, 2018 · Amount on Record
Prior Sale	Feb 14, 2005 · Amount on Record
Deed Book / Page	1683 / 779
Prior Transfer Date	Feb 11, 2005
Prior Transfer Doc	1072000599
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3540 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1853/282
Date	Jul 26, 2021
Book Page	1853/282

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3540 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1784/222
Date	Jul 7, 2020
Book Page	1784/222

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Aug 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3540 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Aug 2, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1735/375
Date	Jul 24, 2019
Book Page	1735/375

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Jun 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Apr 23, 2018
Property Address	3540 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	1683/779
Book / Page	1683 / 779
Map Reference	MB 29 PG 130
Instrument Date	Apr 23, 2018
Transaction Type	Transfer
Record Updated	Oct 5, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$502.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4072 SALEM FARMS RD, OXFORD, NC 27565-9160
Investor	Possibly a Property Investor

Mortgage

Document Number	1683782
Date	Apr 23, 2018
Instrument	1683/782

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

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

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	$2,877.00 (+21.24%)	$399,509 (+57.72%) Land $66,500 Building $333,009
2024			$399,509 (+57.72%) Land $66,500 Building $333,009
2023	$2,373.00 (+0.89%)	$253,296 (-) Land $40,000 Building $213,296	$253,296 (-) Land $40,000 Building $213,296
2022	$2,352.00	$253,296 Land $40,000 Building $213,296	$253,296 Land $40,000 Building $213,296

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

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	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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