3546 Saddle Ridge Rd, Stem, NC 27581 Property Records

Granville County property record for 3546 Saddle Ridge Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,360 sqft · built 2005
Lot Size	1.85 acres (80,826 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Jun 2026)
Tax Bill	$3,117 (2025)
Deeds & Mortgages	Jan 2009 Mortgage Dec 2016 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22844-67662301`

Property Details

APN / Parcel Number

Primary APN	`22844-67662301`
Alternative APNs	`087900423624` `087900 122` `67662301` `1091723`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,360 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	80,826 sqft (1.85 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	327 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1091723
Street Address	3546 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 24R SADDLE RIDGE
Legal Subdivision	SADDLE RDG
Legal Lot Number	24R
Jurisdiction	GRANVILLE NC
Township / Civil Division	TALLY HO
Census Block Group	1
Census Block	1009
Census Tract	970701

Owner

Source: Granville County records · APN 22844-67662301

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	3546 SADDLE RIDGE RD, STEM, NC 27581-9277
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2009	Deed of Trust, Mortgage · FHA Mortgage ACADEMY MORTGAGE CORP
Dec 27, 2016	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Oct 31, 2005	Deed of Trust, Mortgage · Line of Credit GMAC MORTGAGE CORP
Jun 10, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
Dec 15, 2022	Warranty Deed, Transfer · VA Mortgage NATIONS LENDING CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 10, 2026 · Amount on Record
Deed Sale	Jun 10, 2026 · Amount on Record
Prior Sale	Dec 15, 2022 · Amount on Record
Deed Document Number	2026
Deed Book / Page	2075 / 413
Record Updated	Sep 20, 2026

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3546 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001297/055
Date	Jan 28, 2009
Book Page	1297/055

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	SANDY, UT 84094

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2039

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3546 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001624/660
Date	Dec 27, 2016
Book Page	1624/660

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2032

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3546 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001116/135
Date	Oct 31, 2005
Book Page	1116/135

Lender

Name	GMAC MORTGAGE CORP
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Jun 10, 2026
Property Address	3546 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	2075000413
Book / Page	2075 / 413
Instrument Date	Jun 04, 2026
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$116,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3546 SADDLE RIDGE RD, STEM, NC 27581-9277

Mortgage

Document Number	2075000416,
Date	Jun 10, 2026
Book Page	2075/416

Lender

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Dec 15, 2022
Property Address	3546 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	001931/691
Book / Page	1931 / 691
Map Reference	MB 30 PG 133
Instrument Date	Dec 08, 2022
Transaction Type	Transfer
Record Updated	Dec 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,099.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3529 BRUCE GARNER RD, WAKE FOREST, NC 27587-7898

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3546 SADDLE RIDGE RD, STEM, NC 27581-9277

Mortgage

Document Number	0001931695
Date	Dec 15, 2022
Instrument	1931/695

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,117.00 (+19.7%)	$445,093 (+59.3%) Land $66,500 Building $378,593
2024			$445,093 (+59.3%) Land $66,500 Building $378,593
2023	$2,604.00 (+3.37%)	$279,397 (-) Land $40,000 Building $239,397	$279,397 (-) Land $40,000 Building $239,397
2022	$2,519.00	$279,397 Land $40,000 Building $239,397	$279,397 Land $40,000 Building $239,397

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 20, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

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 at the parcel

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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 35 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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