Stanly County property record for 423 Saddlebred Ln, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,759 sqft · built 2023 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $439,000 (Jan 2024) |
| Tax Bill | $3,559 (2026) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 557402785953 |
| Primary APN | 557402785953 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,759 sqft Finished Area |
| Basement Area | 852 sqft |
| Unfinished Basement | 852 sqft |
| 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 | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1546202 |
|---|---|
| Street Address | 423 SADDLEBRED LN |
| City | LOCUST |
| State | NC |
| Zip | 28097-0168 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE 423 S SADDLEBRED LN LOT 26 557402260 |
| Legal Subdivision | RECORD PLAT46 |
| Legal Lot Number | 26 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 930802 |
423 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 of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 423 SADDLEBRED LN, LOCUST, NC 28097-0168 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2024 · Amount on File |
| Deed Sale | Jan 31, 2024 · Amount on File |
| Deed Document Number | 2024465026 |
| Deed Book / Page | 1843 / 1353 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jan 31, 2024 |
| Property Address | 423 SADDLEBRED LN, LOCUST, NC 28097-0168 |
| Document Number | 0000465026 |
| Book / Page | 1843 / 1353 |
| Map Reference | MB 29 PG 267&268 |
| Instrument Date | Jan 31, 2024 |
| Instrument | 465026 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $878.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8025 ARROWRIDGE BLVD, CHARLOTTE, NC 28273-5604 |
| Name | Verified Name |
|---|---|
| Address | 423 SADDLEBRED LN, LOCUST, NC 28097-0168 |
| Document Number | 0000465027 |
|---|---|
| Date | Jan 31, 2024 |
| Instrument | 465027 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
The 2026 property tax bill for 423 Saddlebred Ln was $3,559.
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 | $3,559.00 | $386,895 (-) Land $65,000 Building $321,895 | $386,895 (-) Land $65,000 Building $321,895 |
| 2025 | $3,559.00 | $386,895 Land $65,000 Building $321,895 | $386,895 Land $65,000 Building $321,895 |
| 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.
FEMA maps place 423 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 risk around 423 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.
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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