664 Saddlebred Ln, Locust, NC, 28097
About This Home
Seller is offering a 1% concession that can be used toward a rate buy-down, closing costs, or as approved by the buyer’s lender! Welcome to the highly sought-after Crossroads Community! This beautifully maintained 5-bedroom, 3.5-bath home offers the perfect blend of space, comfort, and convenience. Step inside to a spacious foyer with a private office featuring elegant French doors—ideal for working from home. Continue into the formal dining room before entering the heart of the home: a bright, open-concept living area with a cozy fireplace and abundant natural light. The chef-inspired kitchen features gorgeous granite countertops, a large center island, stainless steel appliances, a walk-in pantry, convenient desk area, and a spacious breakfast nook. Upstairs you’ll find all five bedrooms, including a relaxing primary suite with a spa-like bathroom featuring a full-size shower. An upstairs laundry room and three full bathrooms provide comfort and convenience for the entire family. Step outside to enjoy the extended patio and level backyard complete with a gazebo that conveys with the home, creating the perfect space for entertaining or relaxing. Included with the home: Washer & dryer Refrigerator Backyard gazebo As part of the desirable Crossroads community, you’ll also enjoy: Community swimming pool Walking trails Playground Scenic pond Minutes from shopping, dining, parks, and everyday conveniences This move-in-ready home combines generous living space, desirable community amenities, and valuable seller incentives—all in one incredible package. Schedule your showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2021
Materials
- Foundation: Slab
- Construction materials: Stone Veneer,Vinyl
Other
- Builder model: Columbia C
- Builder name: DR Horton
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Electric Range,Electric Water Heater,Microwave
- Laundry features: Laundry Room,Upper Level
Bathroom Full
- Level: Upper
Bathroom Full
- Level: Upper
Bathroom Full
- Level: Upper
Bathroom Half
- Level: Main
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Breakfast
- Level: Main
Dining Room
- Level: Main
Family Room
- Level: Main
Features
- Flooring: Carpet,Laminate,Vinyl
- Finished area below ground: 0
- Finished area above ground: 3,108
Heating & Cooling
- Heating features: Electric,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,108
- Total interior livable area: 3,108 sqft
Kitchen
- Level: Main
Laundry
- Level: Upper
Office
- Level: Main
Primary Bedroom
- Level: Upper
Property
Details
- Parcel number: 557402992396
- Zoning: SFR
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: Community
- Patio & porch: Patio
Lot
- Lot size: 0.24 Acres
Parking
- Total spaces: 2
- Parking features: Attached Garage,Garage Door Opener,Garage on Main Level
- 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
- Ice Storm
- Cold Wave
- Hurricane
- Heat Wave
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Stanly 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 | $2,173 | $26,076 |
| Home Insurance * | $146 | $1,752 |
| Property Taxes | $308 | $3,696 |
| Electricity | $289 | $3,473 |
| Total | $2,916 | $34,992 |
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 |
|---|---|---|
| 2026-07-30 | Price change | $429,800 |
| 2026-07-25 | Price change | $431,800 |
| 2026-07-09 | Price change | $439,800 |
| 2026-06-24 | Price change | $439,900 |
| 2026-06-17 | Price change | $444,900 |
| 2026-03-21 | Listed for sale | $449,900 |
| 2022-03-30 | Sold | $396,500 |
| 2021-11-09 | Pending sale | $396,140 |
For Sale by Agent
View on Zillow