3560 Saddle Ridge Rd, Stem, NC, 27581
About This Home
Welcome to country living with modern comfort and convenience! This beautiful, well maintained, and immaculate 3 bedroom, 2.5 bath home is nestled on a spacious .94-acre lot and offers the perfect blend of comfort, style, and functionality. Recognized as an ENERGY STAR home, it features a sealed crawl space and high-performance windows for added energy efficiency. Inside, you'll find hardwood floors throughout the main living areas, granite countertops, stainless steel appliances, vaulted ceilings, and a versatile bonus room perfect for a home office, playroom, or media space. Step outside and enjoy your own private retreat featuring an above-ground swimming pool with spacious custom decking all around for easy access, a basketball court, and plenty of outdoor space for entertaining, relaxing, or creating lasting memories. This move-in ready home combines the charm of country living with modern upgrades -- a must-see property!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2010
Materials
- Roof: Shingle
- Construction materials: Stone,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence,Residential
Interior
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Granite Counters,Pantry
- Flooring: Carpet,Hardwood,Tile
- Finished area below ground: 0
- Finished area above ground: 2,215
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Central Air
Interior Area
- Total structure area: 2,215
- Total interior livable area: 2,215 sqft
Property
Details
- Parcel number: 087900331520
- Special condition: Standard
Features
- Levels: Two
- Stories: 1
- Pool features: Above Ground
- Patio & porch: Deck,Front Porch
- Fencing: Back Yard
- Has view: Yes
Lot
- Lot size: 0.95 Acres
Parking
- Total spaces: 2
- Parking features: Concrete,Garage Faces Side
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Inland Flooding
- Lightning
- Tornado
- Winter Weather
- Drought
- Hail
- Heat Wave
- Ice Storm
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Granville County and North Carolina
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,527 | $30,324 |
| Home Insurance * | $182 | $2,184 |
| Property Taxes | $290 | $3,480 |
| Electricity | $206 | $2,475 |
| Total | $3,205 | $38,460 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-09 | Listed for sale | $539,900 |
| 2017-10-31 | Sold | $286,000 |
| 2017-10-04 | Pending sale | $287,500 |
| 2017-09-16 | Listed for sale | $287,500 |
| 2011-04-29 | Sold | $260,000 |
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