Granville County property record for 3565 Saddle Ridge Rd, Stem, NC 27581
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,691 sqft · built 2007 |
| Lot Size | 4.32 acres (188,231 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $298,000 (Dec 2007) |
| Tax Bill | $3,558 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31041-23985301 |
| Primary APN | 31041-23985301 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,691 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 188,231 sqft (4.32 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Patio |
| Porch Area | 312 sqft |
| Patio Area | 1,030 sqft |
| Shed | 1 Shed |
| Shed Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 23985301 |
|---|---|
| Street Address | 3565 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 | 3565 SADDLERIDGE RD |
| Legal Subdivision | SADDLE RDG |
| Jurisdiction | GRANVILLE NC |
| Township / Civil Division | TALLY HO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 970701 |
Source: Granville County records, as of July 21, 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 | 3565 SADDLE RIDGE RD, STEM, NC 27581-9277 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2007 · Amount on Record |
| Deed Sale | Dec 6, 2007 · Amount on Record |
| Deed Book / Page | 1243 / 221 |
| Last Transfer Date | Feb 27, 2014 |
| Transfer Doc | 1503/745 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRANVILLE NC |
| Property Address | 3565 SADDLE RIDGE RD, STEM, NC 27581-9277 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3565 SADDLE RIDGE RD, STEM, NC 27581-9277 |
| Document Number | 001981/821 |
|---|---|
| Date | Apr 24, 2024 |
| Book Page | 1981/821 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | 150 3RD AVE S STE 1000, NASHVILLE, TN 37201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
Source: Granville County assessment roll, as of September 23, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Granville County |
| Unified School District | Granville County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,558.00 (+24.71%) | $478,214 (+55.93%) Land $66,500 Building $411,714 | |
| 2024 | $478,214 (+55.93%) Land $66,500 Building $411,714 | ||
| 2023 | $2,853.00 (+0.71%) | $306,689 (-) Land $40,000 Building $266,689 | $306,689 (-) Land $40,000 Building $266,689 |
| 2022 | $2,833.00 | $306,689 Land $40,000 Building $266,689 | $306,689 Land $40,000 Building $266,689 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
4G LTE (outdoors only), no 5G reported
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