923 Saddle Dr, Salem, VA 24153 Property Records

Salem City property record for 923 Saddle Dr, Salem, VA 24153

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,547 sqft · built 1999
Lot Size	0.359 acres (15,638 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Dec 2022)
Tax Bill	$7,332 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-1-5.8`

Property Details

APN / Parcel Number

Primary APN	`63-1-5.8`
Alternative APN	`9044`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,547 sqft Living Area
Basement Area	2,005 sqft
Finished Basement	1,096 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Roof Material	Shingle
Lot Area	15,638 sqft (0.359 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	300 sqft
Deck Area	Deck Area
Patio Area	1,410 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	923 SADDLE DR
City	SALEM
State	VA
Zip	24153-2645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	LT 8 0.359 AC SEC 3 EMERALD HILLS
Legal Subdivision	EMERALD HILLS
Legal Lot Number	8
Jurisdiction	SALEM CITY VA
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2003
Census Tract	10200

Owner

923 Saddle Dr is owned and occupied by two individuals who bought it in December 2022.

Source: Salem City records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	923 SADDLE DR, SALEM, VA 24153-2645
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2022 · Amount on File
Deed Sale	Dec 16, 2022 · Amount on File
Deed Document Number	20223036
Record Updated	Oct 29, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SALEM CITY VA
Recording Date	Dec 16, 2022
Property Address	923 SADDLE DR, SALEM, VA 24153-2645
Document Number	0000003036
Map Reference	MB 6 PG 51&52
Instrument Date	Dec 13, 2022
Instrument	220003036
Transaction Type	Transfer
Record Updated	Jan 31, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	923 SADDLE DR, SALEM, VA 24153-2645

Mortgage

Document Number	0000003037
Date	Dec 16, 2022
Instrument	220003037

Lender

Name	BANK OF BOTETOURT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Jan 5, 2030
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.62%
Index	1-Year T-Bill
Max Rate	8.62%

Tax Assessment & Valuation

The 2026 property tax bill for 923 Saddle Dr was $7,332.

Source: Salem City assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Salem City
Unified School District	Salem City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,332.00	$632,100 Land $88,100 Building $544,000	$632,100 Land $88,100 Building $544,000
2023	$6,356.00	$529,700 Land $74,700 Building $455,000	$529,700 Land $74,700 Building $455,000

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

Flood

FEMA maps place 923 Saddle Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2023

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 923 Saddle Dr 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 71% of Virginia
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	CITY OF SALEM serves 24,346 people · EPA ID VA2775300
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	3 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	None 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. The service area is an EPA estimate; the actual supplier may differ. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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