419 Saddlebred Ln, Locust, NC 28097 Property Records

Stanly County property record for 419 Saddlebred Ln, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,144 sqft · built 2023
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$428,000 (Jan 2024)
Tax Bill	$3,895 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`557402784996`

Property Details

APN / Parcel Number

Primary APN	`557402784996`
Alternative APNs	`1546183` `1532140` `141199`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,144 sqft Finished Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1546183
Street Address	419 SADDLEBRED LN
City	LOCUST
State	NC
Zip	28097-0168
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 419 S SADDLEBRED LN LOT 27 557402261
Legal Subdivision	CROSSROADS SUBDIVISION PHASE 2 MAP 2
Legal Lot Number	27
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2006
Census Tract	930802

Owner

419 Saddlebred Ln is owned and occupied by two individuals who bought it in January 2024.

Source: Stanly County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	419 SADDLEBRED LN, LOCUST, NC 28097-0168
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2024 · Amount on File
Deed Sale	Jan 30, 2024 · Amount on File
Deed Document Number	2024464997
Deed Book / Page	1843 / 1182
Record Updated	Oct 29, 2026

January 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jan 30, 2024
Property Address	419 SADDLEBRED LN, LOCUST, NC 28097-0168
Document Number	0000464997
Book / Page	1843 / 1182
Map Reference	MB 31 PG 207-208
Instrument Date	Jan 30, 2024
Instrument	464997
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$856.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8025 ARROWRIDGE BLVD, CHARLOTTE, NC 28273-5604

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	419 SADDLEBRED LN, LOCUST, NC 28097-0168

Mortgage

Document Number	0000464998
Date	Jan 30, 2024
Instrument	464998

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 419 Saddlebred Ln was $3,895.

Source: Stanly County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Stanly County
Municipality	Locust City
Unified School District	Stanly County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,895.00	$423,384 Land $65,000 Building $358,384	$423,384 Land $65,000 Building $358,384
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.

Flood

FEMA maps place 419 Saddlebred Ln in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 419 Saddlebred Ln is low, with a 0.03% annual chance of 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	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

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 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