927 Saddle Dr, Salem, VA 24153 Property Records

Salem City property record for 927 Saddle Dr, Salem, VA 24153

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,229 sqft · built 1999
Lot Size	0.278 acres (12,110 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,837 (2026)
Deeds & Mortgages	Nov 2019 Line of Credit Sep 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`63-1-5.10`

Property Details

APN / Parcel Number

Primary APN	`63-1-5.10`
Alternative APN	`9026`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,229 sqft Living Area
Basement Area	2,132 sqft
Finished Basement	1,000 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	12,110 sqft (0.278 acres)
Garage Type	Attached
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	105 sqft
Deck Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	927 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 10-A 0.278 AC SEC 3 EMERALD HILLS
Legal Subdivision	EMERALD HILLS
Legal Lot Number	10
Jurisdiction	SALEM CITY VA
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2003
Census Tract	10200

Owner

927 Saddle Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	927 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

Date	Document
Nov 22, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZEN B&T CO
Sep 6, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS NAT'L BK
May 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM CITY VA
Property Address	927 SADDLE DR, SALEM, VA 24153-2645
Document Number	0000002758
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	927 SADDLE DR SALEM VA 241532645, SALEM, VA 24153-2645

Mortgage

Document Number	0000002758
Date	Dec 9, 2019
Instrument	2758

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM CITY VA
Property Address	927 SADDLE DR, SALEM, VA 24153-2645
Document Number	0000000174
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	927 SADDLE DR SALEM VA 241532645, SALEM, VA 24153-2645

Mortgage

Document Number	0000000174
Date	Jan 25, 2018
Instrument	174

Lender

Name	FIRST CITIZENS NAT'L BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM CITY VA
Property Address	927 SADDLE DR, SALEM, VA 24153-2645
Document Number	0000001317
Instrument Date	May 3, 2017
Transaction Type	Mortgage
Record Updated	Jun 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 SADDLE DR SALEM VA 241532645, SALEM, VA 24153-2645

Mortgage

Document Number	0000001317
Date	May 24, 2017
Instrument	1317

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	LAWRENCEVILLE, VA 23868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 23, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 927 Saddle Dr was $6,837.

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	$6,837.00	$589,400 Land $84,100 Building $505,300	$589,400 Land $84,100 Building $505,300
2023	$6,000.00	$500,000 Land $71,300 Building $428,700	$500,000 Land $71,300 Building $428,700

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

Flood

FEMA maps place 927 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 927 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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