Surry County property record for 397 Saddle Crest Ln, Mount Airy, NC 27030
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 1,632 sqft · built 1994 |
| Lot Size | 2.01 acres (87,556 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Dec 2019) |
| Tax Bill | $1,083 (2026) |
| Deeds & Mortgages | Sep 2023 Mortgage Jun 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4999-01-05-2110 |
| Primary APN | 4999-01-05-2110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,632 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 87,556 sqft (2.01 acres) |
| Porch | Patio |
| Porch Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 100115223 |
|---|---|
| Street Address | 401 SADDLE CREST LN |
| City | MOUNT AIRY |
| State | NC |
| Zip | 27030-9975 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA |
| Jurisdiction | SURRY NC |
| Township / Civil Division | STEWARTS CREEK |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 930700 |
Source: Surry County records, as of September 29, 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 | 397 SADDLE CREST LN, MOUNT AIRY, NC 27030-5799 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2023 | Deed of Trust, Mortgage STATE EMPLOYEES CREDIT UNION |
| Jun 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance SURRY B&T |
| Dec 5, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage JAMES C GREGORY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2019 · Amount on Record |
| Deed Sale | Dec 5, 2019 · Amount on Record |
| Deed Document Number | 2019668556 |
| Deed Book / Page | 1691 / 658 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 397 SADDLE CREST LN, MOUNT AIRY, NC 27030-5799 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001869/572 |
|---|---|
| Date | Sep 18, 2023 |
| Book Page | 1869/572 |
| Instrument | 709452 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 397 SADDLE CREST LN, MOUNT AIRY, NC 27030-5799 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 001671/130 |
|---|---|
| Date | Jun 11, 2019 |
| Book Page | 1671/130 |
| Instrument | 663815 |
| Name | SURRY B&T |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SURRY NC |
| Recording Date | Dec 5, 2019 |
| Property Address | 397 SADDLE CREST LN, MOUNT AIRY, NC 27030-5799 |
| Document Number | 001691/658 |
| Book / Page | 1691 / 658 |
| Instrument Date | Dec 4, 2019 |
| Instrument | 668556 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 397 SADDLE CREST LN, MOUNT AIRY, NC 27030-5799 |
| Document Number | 0000668557 |
|---|---|
| Date | Dec 5, 2019 |
| Instrument | 668557 |
| Name | JAMES C GREGORY |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Surry County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Surry County |
| Unified School District | Surry County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,083.00 (-1.99%) | $152,070 (-13.81%) Land $13,200 Building $138,870 | $152,070 (-13.81%) Land $13,200 Building $138,870 |
| 2025 | $1,105.00 (+31.7%) | $176,430 (+16.02%) Land $13,200 Building $163,230 | $176,430 (+16.02%) Land $13,200 Building $163,230 |
| 2023 | $839.00 | $152,070 Land $13,200 Building $138,870 | $152,070 Land $13,200 Building $138,870 |
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 January 11, 2026
| 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 | 0.02% 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surry Telephone Fiber | 1,000 / 1,000 |
| Fastlink Communications Fixed Wireless | 100 / 25 |
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