3561 Saddle Ridge Rd, Stem, NC 27581 Property Records

Granville County property record for 3561 Saddle Ridge Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,631 sqft · built 2007
Lot Size	2.16 acres (94,288 sqft)
Owner	2 Individual Names on Record
Last Sale	$313,500 (Feb 2017)
Tax Bill	$3,547 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31039-51773301`

Property Details

APN / Parcel Number

Primary APN	`31039-51773301`
Alternative APNs	`087900238355` `087900 130` `87406301`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,631 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	94,288 sqft (2.16 acres)
Garage Type	Attached
Garage Area	666 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	228 sqft
Deck Area	417 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	87406301
Street Address	3561 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	3561 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, 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	3561 SADDLE RIDGE RD, STEM, NC 27581-9277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Feb 28, 2017	Warranty Deed, Transfer · Conventional Mortgage NORTH STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2017 · Amount on Record
Deed Sale	Feb 28, 2017 · Amount on Record
Prior Sale	Mar 14, 2008 · Amount on Record
Deed Book / Page	1632 / 626
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3561 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Sep 1, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1791/366
Date	Aug 14, 2020
Book Page	1791/366

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Feb 28, 2017
Property Address	3561 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	1632/626
Book / Page	1632 / 626
Map Reference	MB 35 PG 48
Instrument Date	Feb 24, 2017
Transaction Type	Transfer
Record Updated	Oct 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3561 SADDLE RIDGE RD, STEM, NC 27581-9277

Mortgage

Document Number	1632628
Date	Feb 28, 2017
Instrument	1632/628

Lender

Name	NORTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 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		$496,540 (-) Land $66,500 Building $430,040
2025	$3,547.00 (+21.68%)	$496,540 (+58.32%) Land $66,500 Building $430,040	$496,540 (-) Land $66,500 Building $430,040
2024			$496,540 (+58.32%) Land $66,500 Building $430,040
2023	$2,915.00 (+0.73%)	$313,628 (-) Land $40,000 Building $273,628	$313,628 (-) Land $40,000 Building $273,628
2022	$2,894.00	$313,628 Land $40,000 Building $273,628	$313,628 Land $40,000 Building $273,628

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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