3569 Saddle Ridge Rd, Stem, NC 27581 Property Records

Granville County property record for 3569 Saddle Ridge Rd, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,158 sqft · built 2007
Lot Size	1.66 acres (72,647 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Apr 2018)
Tax Bill	$3,208 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`31043-51855301`

Property Details

APN / Parcel Number

Primary APN	`31043-51855301`
Alternative APNs	`087900246321` `087900 134` `89323301`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,158 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

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	72,647 sqft (1.66 acres)
Garage Type	Attached
Garage Area	1,240 sqft
Parking Spaces	5 Parking Spaces
Porch	Patio
Porch Area	259 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	89323301
Street Address	3569 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	3569 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	3569 SADDLE RIDGE RD, STEM, NC 27581-9277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Deed of Trust, Mortgage · Line of Credit THE FIDELITY BANK
Apr 2, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2018 · Amount on Record
Deed Sale	Apr 2, 2018 · Amount on Record
Prior Sale	Apr 24, 2008 · Amount on Record
Deed Book / Page	1680 / 789
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	3569 SADDLE RIDGE RD, STEM, NC 27581-9277
Transaction Type	Mortgage
Record Updated	Feb 8, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3569 SADDLE RIDGE RD, STEM, NC 27581-9277

Mortgage

Document Number	001973/292
Date	Jan 26, 2024
Book Page	1973/292

Lender

Name	THE FIDELITY BANK
Type	Bank
Address	OXFORD, NC 27565

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Apr 2, 2018
Property Address	3569 SADDLE RIDGE RD, STEM, NC 27581-9277
Document Number	001680/789
Book / Page	1680 / 789
Map Reference	MB 35 PG 48
Instrument Date	Apr 2, 2018
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Tax	$580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3569 SADDLE RIDGE RD, STEM, NC 27581-9277

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		$448,156 (-) Land $66,500 Building $381,656
2025	$3,208.00 (+19.26%)	$448,156 (+55.02%) Land $66,500 Building $381,656	$448,156 (-) Land $66,500 Building $381,656
2024			$448,156 (+55.02%) Land $66,500 Building $381,656
2023	$2,690.00 (+0.75%)	$289,096 (-) Land $40,000 Building $249,096	$289,096 (-) Land $40,000 Building $249,096
2022	$2,670.00	$289,096 Land $40,000 Building $249,096	$289,096 Land $40,000 Building $249,096

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

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

Nearby Properties on Saddle Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures