3560 Saddle Ridge Rd, Stem, NC 27581 Property Records

Granville County property record for 3560 Saddle Ridge Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,109 sqft · built 2010
Lot Size	0.949 acres (41,355 sqft)
Owner	2 Individual Names on Record
Last Sale	$286,500 (Oct 2017)
Tax Bill	$2,918 (2025)
Deeds & Mortgages	May 2022 Mortgage Mar 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31055-73037301`

Property Details

APN / Parcel Number

Primary APN	`31055-73037301`
Alternative APNs	`087900331520` `087900 146` `88310301`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,109 sqft Heated Area
Flooring	Carpet
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
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,355 sqft (0.949 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	100 sqft
Deck Area	232 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	88310301
Street Address	3560 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	3560 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 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	3560 SADDLE RIDGE RD, STEM, NC 27581-9277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Mar 17, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 31, 2017	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2017 · Amount on Record
Deed Sale	Oct 31, 2017 · Amount on Record
Prior Sale	Apr 29, 2011 · Amount on Record
Deed Book / Page	1664 / 320
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3560 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Jun 7, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001904/228
Date	May 20, 2022
Book Page	1904/228

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jun 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	5-Year CMT
Max Rate	8.75%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3560 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1829/102
Date	Mar 17, 2021
Book Page	1829/102

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	BUTNER, NC 27509

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3560 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1791/896
Date	Aug 18, 2020
Book Page	1791/896

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Oct 31, 2017
Property Address	3560 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	1664/320
Book / Page	1664 / 320
Map Reference	MB 44 PG 59
Instrument Date	Oct 31, 2017
Transaction Type	Transfer
Record Updated	Oct 5, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$573.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	512 KEITH ST, 512, DURHAM, NC 27703-8897

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3560 SADDLE RIDGE RD, STEM, NC 27581-9277

Mortgage

Document Number	1664322
Date	Oct 31, 2017
Instrument	1664/322

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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		$415,843 (-) Land $66,500 Building $349,343
2025	$2,918.00 (+19.84%)	$415,843 (+54.74%) Land $66,500 Building $349,343	$415,843 (-) Land $66,500 Building $349,343
2024			$415,843 (+54.74%) Land $66,500 Building $349,343
2023	$2,435.00 (+0.45%)	$268,744 (-) Land $40,000 Building $228,744	$268,744 (-) Land $40,000 Building $228,744
2022	$2,424.00	$268,744 Land $40,000 Building $228,744	$268,744 Land $40,000 Building $228,744

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 12 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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