674 Saddlebred Ln, Locust, NC 28097 Property Records

Stanly County property record for 674 Saddlebred Ln, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,759 sqft · built 2021
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Sep 2022)
Tax Bill	$2,789 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`557402993501`

Property Details

APN / Parcel Number

Primary APN	`557402993501`
Alternative APNs	`1538122` `140372`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,759 sqft Finished Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	429 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1538122
Street Address	674 SADDLEBRED LN
City	LOCUST
State	NC
Zip	28097-0080
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 674 SADDLEBRED LN LOT 14 557402185
Legal Lot Number	14
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2054
Census Tract	930801

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 Record	2 Individual Names on Record
Mailing Address	674 SADDLEBRED LN, LOCUST, NC 28097-0080
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2022 · Amount on Record
Deed Sale	Sep 29, 2022 · Amount on Record
Prior Sale	Sep 21, 2022 · Amount on Record
Deed Document Number	2022451678
Deed Book / Page	1800 / 1408
Record Updated	Oct 29, 2026

March 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Mar 28, 2022
Property Address	674 SADDLEBRED LN, LOCUST, NC 28097-0080
Document Number	0000445092
Book / Page	1780 / 604
Instrument Date	Mar 25, 2022
Instrument	445092
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$708.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8025 ARROWRIDGE BLVD, 8025, CHARLOTTE, NC 28273-5604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	674 SADDLEBRED LANE, CHARLOTTE, NC 28273

Mortgage

Document Number	0000445093
Date	Mar 28, 2022
Instrument	445093

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

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	$2,789.00 (+4.85%)	$303,174 (+24.19%) Land $65,000 Building $238,174	$303,174 (+24.19%) Land $65,000 Building $238,174
2023	$2,660.00	$244,120 Land $55,000 Building $189,120	$244,120 Land $55,000 Building $189,120

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 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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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