3562 Saddle Ridge Rd, Stem, NC 27581 Property Records

Granville County property record for 3562 Saddle Ridge Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,504 sqft · built 2007
Lot Size	1.01 acres (44,148 sqft)
Owner	Individual Name on Record
Last Sale	$302,000 (Feb 2008)
Tax Bill	$3,532 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31054-67656301`

Property Details

APN / Parcel Number

Primary APN	`31054-67656301`
Alternative APNs	`087900239579` `087900 145` `67656301`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,504 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	44,148 sqft (1.01 acres)
Garage Type	Attached
Garage Area	655 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	280 sqft
Deck Area	420 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	67656301
Street Address	3562 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	3562 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	Individual Name on Record
Mailing Address	3562 SADDLE RIDGE RD, STEM, NC 27581-9277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 29, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 2, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2008 · Amount on Record
Deed Sale	Feb 28, 2008 · Amount on Record
Deed Book / Page	1254 / 570
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3562 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Dec 13, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1875/752
Date	Nov 29, 2021
Book Page	1875/752

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	242 Months
Due	Jan 1, 2042

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3562 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Dec 13, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1875/837
Date	Nov 29, 2021
Book Page	1875/837

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3562 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1680/686
Date	Apr 2, 2018
Book Page	1680/686

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

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		$506,189 (-) Land $66,500 Building $439,689
2025	$3,532.00 (+21.75%)	$506,189 (+57.57%) Land $66,500 Building $439,689	$506,189 (-) Land $66,500 Building $439,689
2024			$506,189 (+57.57%) Land $66,500 Building $439,689
2023	$2,901.00 (+0.38%)	$321,254 (-) Land $40,000 Building $281,254	$321,254 (-) Land $40,000 Building $281,254
2022	$2,890.00	$321,254 Land $40,000 Building $281,254	$321,254 Land $40,000 Building $281,254

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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