Stanly County property record for 372 Saddlebred Ln, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $403,500 (Dec 2023) |
| Tax Bill | $3,526 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Dec 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 557402781741 |
| Primary APN | 557402781741 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,556 sqft Finished Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1545958 |
|---|---|
| Street Address | 372 SADDLEBRED LN |
| City | LOCUST |
| State | NC |
| Zip | 28097-0167 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE 372 S SADDLEBRED LN LOT 70 557402304 |
| Legal Subdivision | RECORD PLAT46 |
| Legal Lot Number | 70 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 930802 |
Source: Stanly County records, as of October 6, 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 | 372 SADDLEBRED LN, LOCUST, NC 28097-0167 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 29, 2023 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2023 · Amount on Record |
| Deed Sale | Dec 29, 2023 · Amount on Record |
| Deed Document Number | 2023464358 |
| Deed Book / Page | 1841 / 154 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANLY NC |
| Property Address | 372 SADDLEBRED LN, LOCUST, NC 28097-0167 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 372 SADDLEBRED LN, LOCUST, NC 28097-0167 |
| Document Number | 0000481548 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | 1896/305 |
| Instrument | 481548 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 12% |
| Index | SOFR Average 30-Day |
| Max Rate | 12% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Dec 29, 2023 |
| Property Address | 372 SADDLEBRED LN, LOCUST, NC 28097-0167 |
| Document Number | 0000464358 |
| Book / Page | 1841 / 154 |
| Map Reference | MB 29 PG 267&268 |
| Instrument Date | Dec 29, 2023 |
| Instrument | 464358 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 10, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $807.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8025 ARROWRIDGE BLVD, CHARLOTTE, NC 28273-5604 |
| Name | Verified Name |
|---|---|
| Address | 372 SADDLEBRED LN, LOCUST, NC 28097-0167 |
| Document Number | 0000464359 |
|---|---|
| Date | Dec 29, 2023 |
| Instrument | 464359 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Municipality | Locust City |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,526.00 (+488.65%) | $383,343 (+596.99%) Land $65,000 Building $318,343 | $383,343 (+596.99%) Land $65,000 Building $318,343 |
| 2023 | $599.00 | $55,000 Land $55,000 | $55,000 Land $55,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective May 30, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STANLY CO-WEST STANLY DIST serves 9,939 people · EPA ID NC0184035 |
|---|---|
| Water Source | Purchased surface water from CITY OF ALBEMARLE |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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