40 Saddle Ridge Dr, Willow Spring, NC 27592 Property Records

Johnston County property record for 40 Saddle Ridge Dr, Willow Spring, NC 27592

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,135 sqft · built 2002
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,000 (Mar 2003)
Tax Bill	$2,128 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13E04010A`

Property Details

APN / Parcel Number

Primary APN	`13E04010A`
Alternative APN	`2000096240`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,135 sqft Living Area
Gross Area	3,023 sqft
1st Floor Area	824 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,621 sqft (0.68 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000096240
Street Address	40 SADDLE RIDGE DR
City	WILLOW SPRING
State	NC
Zip	27592-7636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	L2 SADDLE RIDGE 60/224 1625
Legal Subdivision	SADDLE RIDGE
Jurisdiction	JOHNSTON NC
Township / Civil Division	PLEASANT GROVE
Census Block Group	2
Census Block	2001
Census Tract	41504

Owner

Source: Johnston County records, as of September 24, 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	40 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMIERCA NA
Nov 19, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2003 · Amount on Record
Deed Sale	Mar 3, 2003 · Amount on Record
Prior Sale	Jun 4, 2002
Deed Book / Page	2395 / 630
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Recording Date	Jun 11, 2026
Property Address	40 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7636
Document Number	0000018670
Book / Page	7128 / 926
Instrument Date	Jun 1, 2026
Instrument	202618670
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	40 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7636

Mortgage

Document Number	0000018670,
Date	Jun 11, 2026
Book Page	7128/926
Instrument	202618670

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.64%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	40 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7636
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	TSI TITLE AND ESCROW, SILK TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036816
Date	Nov 19, 2025
Book Page	DEED7002/734
Instrument	2025036816

Lender

Name	SOFI BANK NA
Type	Bank
Address	2750 E COTTONWOOD PKWY STE 300, COTTONWOOD HEIGHTS, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

Tax Assessment & Valuation

Source: Johnston County assessment roll, as of September 24, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Johnston County
Unified School District	Johnston County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,128.00 (-1.57%)	$340,510 (-) Land $82,620 Building $257,890	$340,510 (-) Land $82,620 Building $257,890
2025	$2,162.00 (+35.21%)	$340,510 (+67.09%) Land $82,620 Building $257,890	$340,510 (+67.09%) Land $82,620 Building $257,890
2023	$1,599.00	$203,790 Land $37,640 Building $166,150	$203,790 Land $37,640 Building $166,150

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

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.

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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JOHNSTON CO-WEST serves 99,027 people · EPA ID NC0351070
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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