744 Saddlebred Ln, Locust, NC 28097 Property Records

Stanly County property record for 744 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 Record
Last Sale	$402,000 (Jun 2026)
Tax Bill	$3,467 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`557504903035`

Property Details

APN / Parcel Number

Primary APN	`557504903035`
Alternative APNs	`1539260` `1532140` `1549001` `1556189` `140379`

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	1556189
Street Address	744 SADDLEBRED LN
City	LOCUST
State	NC
Zip	28097-0106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE 744 SADDLEBRED LN LOT 21 557504267
Legal Subdivision	CROSSROADS MAP 1
Legal Lot Number	21
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	744 SADDLEBRED LN, LOCUST, NC 28097-0106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Jun 23, 2022	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Jun 23, 2022 · Amount on Record
Deed Document Number	2026489191
Deed Book / Page	1923 / 864
Prior Transfer Date	Aug 19, 2024
Prior Transfer Doc	0000472120
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jun 25, 2026
Property Address	744 SADDLEBRED LN, LOCUST, NC 28097-0106
Document Number	0000489191
Book / Page	1923 / 864
Instrument Date	Jun 25, 2026
Instrument	2026489191
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$81,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	744 SADDLEBRED LN, LOCUST, NC 28097-0106

Mortgage

Document Number	0000489192,
Date	Jun 25, 2026
Instrument	2026489192

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000489193,
Date	Jun 25, 2026
Book Page	1923/883
Instrument	2026489193

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Max Rate	-1%

June 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Jun 23, 2022
Property Address	744 SADDLEBRED LN, LOCUST, NC 28097-0106
Document Number	0000448398
Book / Page	1790 / 1393
Map Reference	MB 28 PG 233-234
Instrument Date	Jun 22, 2022
Instrument	448398
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	$769.00
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	744 SADDLEBRED LN, LOCUST, NC 28097-0106

Mortgage

Document Number	0000448399
Date	Jun 23, 2022
Instrument	448399

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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	$3,467.00	$376,912 (-) Land $65,000 Building $311,912	$376,912 (-) Land $65,000 Building $311,912
2025	$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 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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