716 Saddlebred Ln, Locust, NC 28097 Property Records

Stanly County property record for 716 Saddlebred Ln, Locust, NC 28097

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,556 sqft · built 2021
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Jul 2026)
Tax Bill	$3,467 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`557402993710`

Property Details

APN / Parcel Number

Primary APN	`557402993710`
Alternative APNs	`1556242` `1538517` `140374`

Interior

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

Exterior

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	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1556242
Street Address	716 SADDLEBRED LN
City	LOCUST
State	NC
Zip	28097-0106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 716 SADDLEBRED LN LOT 16 557402187
Legal Subdivision	CROSSROADS MAP 1
Legal Lot Number	16
Jurisdiction	STANLY NC
Township / Civil Division	FURR
Census Block Group	2
Census Block	2054
Census Tract	930801

Owner

716 Saddlebred Ln is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	716 SADDLEBRED LN, LOCUST, NC 28097-0106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Date	Document
Jul 1, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 28, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	Sep 29, 2022 · Amount on File
Deed Document Number	2026489399
Deed Book / Page	1924 / 532
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jul 1, 2026
Property Address	716 SADDLEBRED LN, LOCUST, NC 28097-0106
Document Number	0000489399
Book / Page	1924 / 532
Instrument Date	Jun 25, 2026
Instrument	2026489399
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$82,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	716 SADDLEBRED LN, LOCUST, NC 28097-0106

Mortgage

Document Number	0000489400,
Date	Jul 1, 2026
Instrument	2026489400

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

April 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Apr 28, 2022
Property Address	716 SADDLEBRED LN, LOCUST, NC 28097-0106
Document Number	0000446358
Book / Page	1784 / 359
Map Reference	MB 28 PG 233&234
Instrument Date	Apr 27, 2022
Instrument	446358
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$788.00
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	716 SADDLEBRED LN, LOCUST, NC 28097-0106

Mortgage

Document Number	0000446359
Date	Apr 28, 2022
Instrument	446359

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 716 Saddlebred Ln was $3,467.

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	$3,467.00	$376,912 (-) Land $65,000 Building $311,912	$376,912 (-) Land $65,000 Building $311,912
2025	$3,467.00	$376,912 Land $65,000 Building $311,912	$376,912 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

FEMA maps place 716 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 716 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

Cell Coverage

5G (outdoors only) and 4G LTE

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