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660 Saddlebred Ln, Locust, NC 28097 Property Records

Stanly County property record for 660 Saddlebred Ln, Locust, NC 28097

Property Summary

Property TypeSingle Family Home
Details2,556 sqft · built 2021
Lot Size0.24 acres (10,454 sqft)
Owner2 Individual Names on Record
Last Sale$369,000 (May 2022)
Tax Bill$3,467 (2026)
Deeds & MortgagesJun 2023 Mortgage
May 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN557402992289

Property Details

APN / Parcel Number

Primary APN557402992289
Alternative APNs
  • 1538897
  • 1532140
  • 140369

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,556 sqft Finished Area

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialAluminum/Vinyl
Roof MaterialComposition Shingle
Lot Area10,454 sqft (0.24 acres)
Garage TypeAttached
Garage Area420 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number1538897
Street Address660 SADDLEBRED LN
CityLOCUST
StateNC
Zip28097-0080
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHSE 660 SADDLEBRED LN LOT 11 557402182
Legal SubdivisionCROSSROADS MAP 1
Legal Lot Number11
JurisdictionSTANLY NC
Township / Civil DivisionFURR
Census Block Group2
Census Block2057
Census Tract930801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address660 SADDLEBRED LN, LOCUST, NC 28097-0080
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 7, 2023Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
May 31, 2022Warranty Deed, Subdivision Related Transfer · FHA Mortgage
COLTEN MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 31, 2022 · Amount on Record
Deed SaleMay 31, 2022 · Amount on Record
Deed Document Number2022447536
Deed Book / Page1788 / 259
Record UpdatedOct 29, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTANLY NC
Property Address660 SADDLEBRED LN, LOCUST, NC 28097-0080
Transaction TypeMortgage
Record UpdatedAug 15, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address660 SADDLEBRED LN, LOCUST, NC 28097-0080

Mortgage

Document Number0000458645
DateJun 7, 2023
Book Page1822/1661
Instrument458645
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term288 Months
DueJun 1, 2047

May 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSTANLY NC
Recording DateMay 31, 2022
Property Address660 SADDLEBRED LN, LOCUST, NC 28097-0080
Document Number0000447536
Book / Page1788 / 259
Map ReferenceMB 28 PG 233&234
Instrument DateMay 27, 2022
Instrument447536
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 25, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$738.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8025 ARROWRIDGE BLVD, 8025, CHARLOTTE, NC 28273-5604

Transferred To (Grantee/Buyer)

NameVerified Name
Address660 SADDLEBRED LN, LOCUST, NC 28097-0080

Mortgage

Document Number0000447537
DateMay 31, 2022
Instrument447537
Lender
NameCOLTEN MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term301 Months
DueJun 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyStanly County
MunicipalityLocust City
Unified School DistrictStanly County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,467.00 (+5.12%)$376,912 (+24.55%) Land $65,000 Building $311,912$376,912 (+24.55%) Land $65,000 Building $311,912
2023$3,298.00$302,611 Land $55,000 Building $247,611$302,611 Land $55,000 Building $247,611

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 30, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemSTANLY CO-WEST STANLY DIST
serves 9,939 people · EPA ID NC0184035
Water SourcePurchased surface water from CITY OF ALBEMARLE
Last State InspectionApr 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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

Cell Coverage

5G (outdoors only) and 4G LTE

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