Johnston County property record for 427 Saddle Ridge Dr, Willow Spring, NC 27592
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,110 sqft · built 2003 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $373,000 (Oct 2026) |
| Tax Bill | $2,197 (2026) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage May 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13E04012N |
| Primary APN | 13E04012N |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,110 sqft Living Area |
| Gross Area | 3,016 sqft |
| 1st Floor Area | 918 sqft |
| Attic | Attic |
| Attic Area | 352 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 26,572 sqft (0.61 acres) |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 354 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 2000248280 |
|---|---|
| Street Address | 427 SADDLE RIDGE DR |
| City | WILLOW SPRING |
| State | NC |
| Zip | 27592-7644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RAG |
| Legal Description | LOT 50 SADDLE RIDGE 60/226 |
| Legal Subdivision | SADDLE RIDGE |
| Legal Lot Number | 50 |
| Jurisdiction | JOHNSTON NC |
| Township / Civil Division | PLEASANT GROVE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 41504 |
427 Saddle Ridge Dr is owned and occupied by two individuals who bought it in October 2026.
Source: Johnston County records, as of October 14, 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 | 427 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Oct 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION |
| May 3, 2023 | Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU |
| Oct 21, 2022 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Mar 22, 2022 | Intrafamily Transfer, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2026 · Amount on File |
| Deed Sale | Oct 5, 2026 · Amount on File |
| Prior Sale | Mar 22, 2022 |
| Deed Document Number | 202632867 |
| Deed Book / Page | 7202 / 653 |
| Prior Transfer Date | Mar 19, 2022 |
| Prior Transfer Doc | 0000801928 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Recording Date | Oct 5, 2026 |
| Property Address | 427 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7644 |
| Document Number | 0000032867 |
| Book / Page | 7202 / 653 |
| Instrument Date | Oct 5, 2026 |
| Instrument | 202632867 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75,346.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 427 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7644 |
| Document Number | 0000032868, |
|---|---|
| Date | Oct 5, 2026 |
| Instrument | 202632868 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.9% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 427 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7644 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000012829 |
|---|---|
| Date | May 3, 2023 |
| Book Page | 6467/701 |
| Instrument | 2023012829 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Property Address | 427 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7644 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000831970 |
|---|---|
| Date | Oct 21, 2022 |
| Book Page | 6365/816 |
| Instrument | 2022831970 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | May 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | JOHNSTON NC |
| Recording Date | Mar 22, 2022 |
| Property Address | 427 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7644 |
| Document Number | 0000801928 |
| Book / Page | 6215 / 301 |
| Map Reference | MB 60 PG 226 |
| Instrument Date | Mar 19, 2022 |
| Instrument | 2022801928 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Title Company | SERVICELINK EAST ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 427 SADDLE RIDGE DR, WILLOW SPRING, NC 27592-7644 |
| Document Number | 0000801929 |
|---|---|
| Date | Mar 22, 2022 |
| Book Page | 6215/304 |
| Instrument | 2022801929 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2026 property tax bill for 427 Saddle Ridge Dr was $2,197, down 1.6% from the year before.
Source: Johnston County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Johnston County |
| Unified School District | Johnston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,197.00 (-1.57%) | $351,600 (-) Land $77,960 Building $273,640 | $351,600 (-) Land $77,960 Building $273,640 |
| 2025 | $2,232.00 | $351,600 Land $77,960 Building $273,640 | $351,600 Land $77,960 Building $273,640 |
| 2023 | $1,660.00 | $211,540 Land $35,510 Building $176,030 | $211,540 Land $35,510 Building $176,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 427 Saddle Ridge Dr in Zone X, an area of minimal flood risk.
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 risk around 427 Saddle Ridge Dr 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 67% of the US · above 43% 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 | 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 |
| 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 76 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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