4026 Oak Valley Dr, Stem, NC 27581 Property Records

Granville County property record for 4026 Oak Valley Dr, Stem, NC 27581

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1988
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Sep 2023)
Tax Bill	$1,730 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18230-65205301`

Property Details

APN / Parcel Number

Primary APN	`18230-65205301`
Alternative APNs	`098000517411` `098000 173` `65205301` `1105363`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,200 sqft Heated Area
Utility Area	25 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick/Stone
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,946 sqft (0.94 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Deck Area	25 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1105363
Street Address	4026 OAK VALLEY DR
City	STEM
State	NC
Zip	27581-9689
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR40
Legal Description	LOT 30 OAK VALLEY FARMS
Legal Subdivision	OAK VALLEY FARMS
Legal Lot Number	30
Jurisdiction	GRANVILLE NC
Township / Civil Division	TALLY HO
Census Block Group	3
Census Block	3007
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	4026 OAK VALLEY DR, STEM, NC 27581-9689
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 13, 2023	Intrafamily Transfer, Transfer
Sep 12, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2023 · Amount on Record
Deed Sale	Sep 12, 2023 · Amount on Record
Prior Sale	Aug 16, 2001 · Amount on Record
Deed Book / Page	1960 / 817
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Recording Date	Aug 6, 2026
Property Address	4026 OAK VALLEY DR, STEM, NC 27581-9689
Document Number	2083000411
Book / Page	2083 / 411
Instrument Date	Aug 3, 2026
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4026 OAK VALLEY DR, STEM, NC 27581-9689

Mortgage

Document Number	2083000411,
Date	Aug 6, 2026
Book Page	2083/411

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRANVILLE NC
Recording Date	Sep 13, 2023
Property Address	4026 OAK VALLEY DR, STEM, NC 27581-9689
Document Number	001960/887
Book / Page	1960 / 887
Map Reference	MB 10 PG 111
Instrument Date	Sep 12, 2023
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2555 CAPITOL DR STE C, C, CREEDMOOR, NC 27522-7398

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRANVILLE NC
Recording Date	Sep 12, 2023
Property Address	4026 OAK VALLEY DR, STEM, NC 27581-9689
Document Number	001960/817
Book / Page	1960 / 817
Map Reference	MB 10 PG 111
Instrument Date	Sep 11, 2023
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4026 OAK VALLEY DR, STEM, NC 27581-9689

Mortgage

Document Number	0001960820
Date	Sep 12, 2023
Instrument	1960/820

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANVILLE NC
Property Address	4026 OAK VALLEY DR, STEM, NC 27581-9689
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1781/65
Date	Jun 17, 2020
Book Page	1781/65

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2040

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		$233,894 (-0.12%) Land $60,234 Building $173,660
2025	$1,730.00 (+49.14%)	$234,182 (+98.79%) Land $60,234 Building $173,948	$233,894 (-0.12%) Land $60,234 Building $173,660
2024			$234,182 (+98.79%) Land $60,234 Building $173,948
2023	$1,160.00 (+1.84%)	$117,803 (-) Land $30,498 Building $87,305	$117,803 (-) Land $30,498 Building $87,305
2022	$1,139.00	$117,803 Land $30,498 Building $87,305	$117,803 Land $30,498 Building $87,305

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearby Flood Claims	6 (1998–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Jul 2023 · river or lake flooding

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

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

Cell Coverage

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

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