3556 Saddle Ridge Rd, Stem, NC 27581 Property Records

Granville County property record for 3556 Saddle Ridge Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,854 sqft · built 2010
Lot Size	2.69 acres (117,405 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (May 2018)
Tax Bill	$3,140 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31057-70655301`

Property Details

APN / Parcel Number

Primary APN	`31057-70655301`
Alternative APNs	`087900336126` `087900 148` `89352301`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,854 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	117,405 sqft (2.69 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	204 sqft
Deck Area	102 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	89352301
Street Address	3556 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	3556 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 31057-70655301

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	3556 SADDLE RIDGE RD, STEM, NC 27581-9277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Oct 04, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
May 25, 2018	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Prior Sale	Jun 22, 2010 · Amount on Record
Deed Book / Page	1687 / 918
Last Transfer Date	Sep 30, 2019
Transfer Doc	1745/486
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3556 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1802/559
Date	Oct 20, 2020
Book Page	1802/559

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRANVILLE NC
Recording Date	Oct 04, 2019
Property Address	3556 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	1745/486
Book / Page	1745 / 486
Map Reference	MB 35 PG 48
Instrument Date	Sep 30, 2019
Transaction Type	Transfer
Record Updated	Oct 05, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3556 SADDLE RIDGE RD, STEM, NC 27581-9277

Mortgage

Document Number	1745488
Date	Oct 04, 2019
Instrument	1745/488

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	May 25, 2018
Property Address	3556 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	1687/918
Book / Page	1687 / 918
Map Reference	MB 35 PG 48
Instrument Date	May 23, 2018
Transaction Type	Transfer
Record Updated	Oct 05, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3556 SADDLE RIDGE RD, STEM, NC 27581-9277

Mortgage

Document Number	1687921
Date	May 25, 2018
Instrument	1687/921

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

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	$3,140.00 (+19.62%)	$436,834 (+55.51%) Land $79,800 Building $357,034
2024			$436,834 (+55.51%) Land $79,800 Building $357,034
2023	$2,625.00 (+0.81%)	$280,906 (-) Land $48,000 Building $232,906	$280,906 (-) Land $48,000 Building $232,906
2022	$2,604.00	$280,906 Land $48,000 Building $232,906	$280,906 Land $48,000 Building $232,906

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

Nearby Properties on Saddle Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures