Stanly County property record for 605 Saddlebred Ln, Locust, NC 28097
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,672 sqft · built 2021 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $433,500 (Sep 2022) |
| Tax Bill | $3,528 (2026) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 557402887877 |
| Primary APN | 557402887877 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,672 sqft Finished Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1537659 |
|---|---|
| Street Address | 605 SADDLEBRED LN |
| City | LOCUST |
| State | NC |
| Zip | 28097-0080 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE 605 SADDLEBRED LN LOT 42 557402211 |
| Legal Lot Number | 42 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | FURR |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 930801 |
605 Saddlebred Ln is owned and occupied by two individuals who bought it in September 2022.
Source: Stanly County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 605 SADDLEBRED LN, LOCUST, NC 28097-0080 |
| 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 | Sep 30, 2022 · Amount on File |
| Deed Sale | Sep 30, 2022 · Amount on File |
| Prior Sale | Sep 29, 2022 · Amount on File |
| Deed Document Number | 2022451768 |
| Deed Book / Page | 1801 / 339 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Feb 24, 2022 |
| Property Address | 605 SADDLEBRED LN, LOCUST, NC 28097-0080 |
| Document Number | 0000443859 |
| Book / Page | 1776 / 656 |
| Map Reference | MB 28 PG 233-234 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 443859 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 8, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $716.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8025 ARROWRIDGE BLVD, CHARLOTTE, NC 28273-5604 |
| Name | Verified Name |
|---|---|
| Address | 605 SADDLEBRED LN, LOCUST, NC 28097-0080 |
| Document Number | 0000443860 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | 443860 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
The 2026 property tax bill for 605 Saddlebred Ln was $3,528.
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 | $3,528.00 | $383,563 Land $65,000 Building $318,563 | $383,563 Land $65,000 Building $318,563 |
| 2023 | $3,356.00 | $307,949 Land $55,000 Building $252,949 | $307,949 Land $55,000 Building $252,949 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 605 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 605 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.
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 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 |
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