505 Saddlebred Ln, Locust, NC 28097 Property Records

Stanly County property record for 505 Saddlebred Ln, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,556 sqft · built 2023
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$404,000 (Sep 2023)
Tax Bill	$3,526 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`557402881671`

Property Details

APN / Parcel Number

Primary APN	`557402881671`
Alternative APNs	`1544832` `1532140` `141179`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,556 sqft Finished Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1544832
Street Address	505 SADDLEBRED LN
City	LOCUST
State	NC
Zip	28097-0169
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 505 S SADDLEBRED LN LOT 7 557402241
Legal Subdivision	CROSSROADS PHASE 2
Legal Lot Number	7
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2006
Census Tract	930802

Owner

505 Saddlebred Ln is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	505 SADDLEBRED LN, LOCUST, NC 28097-0169
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2023 · Amount on File
Deed Sale	Sep 25, 2023 · Amount on File
Deed Document Number	2023461908
Deed Book / Page	1833 / 435
Record Updated	Oct 29, 2026

September 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Sep 25, 2023
Property Address	505 SADDLEBRED LN, LOCUST, NC 28097-0169
Document Number	0000461908
Book / Page	1833 / 435
Map Reference	MB 29 PG 267-268
Instrument Date	Sep 25, 2023
Instrument	461908
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 30, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.00
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
Address	505 SADDLEBRED LN, LOCUST, NC 28097-0169

Mortgage

Document Number	0000461909
Date	Sep 25, 2023
Instrument	461909

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 505 Saddlebred Ln was $3,526.

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	$3,526.00	$383,343 (-) Land $65,000 Building $318,343	$383,343 (-) Land $65,000 Building $318,343
2025	$3,526.00	$383,343 Land $65,000 Building $318,343	$383,343 Land $65,000 Building $318,343
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 505 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 505 Saddlebred Ln is low, with a 0.02% 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	0.02% 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20