3563 Saddle Ridge Rd, Stem, NC 27581 Property Records

Granville County property record for 3563 Saddle Ridge Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,221 sqft · built 2007
Lot Size	2.69 acres (117,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$286,000 (Dec 2007)
Tax Bill	$3,201 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`31040-49341301`

Property Details

APN / Parcel Number

Primary APN	`31040-49341301`
Alternative APNs	`087900235637` `087900 131` `49341301`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,221 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	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	117,356 sqft (2.69 acres)
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	419 sqft
Deck Area	216 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	49341301
Street Address	3563 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	3563 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	3563 SADDLE RIDGE RD, STEM, NC 27581-9277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jul 9, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2007 · Amount on Record
Deed Sale	Dec 11, 2007 · Amount on Record
Deed Book / Page	1243 / 861
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3563 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Oct 3, 2025
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3563 SADDLE RIDGE RD, STEM, NC 27581-9277

Mortgage

Document Number	002041/576
Date	Sep 24, 2025
Book Page	2041/576

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	1 CITIZENS PLZ, PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 22, 2050

Interest

Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3563 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001692/876
Date	Jul 9, 2018
Book Page	1692/876

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2048

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		$456,144 (-) Land $66,500 Building $389,644
2025	$3,201.00 (+22.36%)	$456,144 (+58.19%) Land $66,500 Building $389,644	$456,144 (-) Land $66,500 Building $389,644
2024			$456,144 (+58.19%) Land $66,500 Building $389,644
2023	$2,616.00 (+0.42%)	$288,351 (-) Land $40,000 Building $248,351	$288,351 (-) Land $40,000 Building $248,351
2022	$2,605.00	$288,351 Land $40,000 Building $248,351	$288,351 Land $40,000 Building $248,351

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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