3558 Saddle Ridge Rd, Stem, NC 27581 Property Records

Granville County property record for 3558 Saddle Ridge Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,949 sqft · built 2008
Lot Size	0.916 acres (39,926 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Dec 2018)
Tax Bill	$2,966 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31056-57211301`

Property Details

APN / Parcel Number

Primary APN	`31056-57211301`
Alternative APNs	`087900332470` `087900 147` `1014703`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,949 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,926 sqft (0.916 acres)
Garage Type	Attached
Garage Area	507 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	374 sqft
Deck Area	176 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1014703
Street Address	3558 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	H&L 35 SADDLERIDGE
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 October 19, 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	3558 SADDLE RIDGE RD, STEM, NC 27581-9277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Dec 20, 2018	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2018 · Amount on Record
Deed Sale	Dec 20, 2018 · Amount on Record
Prior Sale	Dec 19, 2008 · Amount on Record
Deed Book / Page	1711 / 153
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3558 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	STEWART TITLE GUARANTY NON C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001694/285
Date	Jul 20, 2018
Book Page	1694/285

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Dec 20, 2018
Property Address	3558 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	001711/153
Book / Page	1711 / 153
Map Reference	MB 35 PG 48
Instrument Date	Dec 14, 2018
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3558 SADDLE RIDGE RD, STEM, NC 27581-9277

Mortgage

Document Number	0001711155
Date	Dec 20, 2018
Instrument	1711/155

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

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		$412,598 (-) Land $66,500 Building $346,098
2025	$2,966.00 (+17.23%)	$412,598 (+52.28%) Land $66,500 Building $346,098	$412,598 (-) Land $66,500 Building $346,098
2024			$412,598 (+52.28%) Land $66,500 Building $346,098
2023	$2,530.00 (+0.84%)	$270,948 (-) Land $40,000 Building $230,948	$270,948 (-) Land $40,000 Building $230,948
2022	$2,509.00	$270,948 Land $40,000 Building $230,948	$270,948 Land $40,000 Building $230,948

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	Direct burnable vegetation

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

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

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