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455 Saddlebred Ln, Locust, NC, 28097

4beds
4baths
3,108sqft
$450,000
$145price/sqft
$2,930/moest. monthly cost
$117,200/yrincome needed

About This Home

Seller is offering $10,000 in closing costs with an acceptable offer. Welcome to 455 Saddlebred Lane — a stunning 2024-built home nestled in the sought-after Crossroads community of Locust, NC. Offering 4 spacious bedrooms, 3.5 bathrooms, and 3,108 square feet of thoughtfully designed living space, this nearly new construction home checks every box for today's discerning buyer. Situated on a premium corner lot, this home enjoys added privacy, extra green space, and enhanced curb appeal. Step inside to discover an open-concept floor plan ideal for both everyday living and entertaining. The main level flows effortlessly from the living and dining areas into a well-appointed kitchen — perfect for hosting family and friends. Retreat to the generous primary suite, complete with a private en-suite bath, while three additional bedrooms provide ample space for family, guests, or a dedicated home office. With 3.5 bathrooms, morning routines are never rushed. Outside, enjoy your fully fenced backyard. One of the most compelling aspects of life at 455 Saddlebred Lane is its unbeatable proximity to some of North Carolina's premier outdoor destinations. Uwharrie National Forest sits approximately 20 miles east of Locust, offering an incredible playground for outdoor enthusiasts year-round. Whether you're hitting the trails on foot, mountain bike, horseback, or OHV, the Badin Lake Recreation Area alone features over 40 miles of named trails varying in length and difficulty. Water lovers will be equally at home here. Lake Tillery stretches over 5,000 acres with more than 100 miles of scenic shoreline, much of it set against the backdrop of Uwharrie National Forest, offering boating, fishing, swimming, and water sports just 25–30 miles away. Badin Lake — just 15–20 miles from your front door — adds thousands more acres of pristine water perfect for kayaking, paddleboarding, or dropping a line for bass, crappie, or catfish. Whether you're a weekend warrior or a year-round outdoor enthusiast, this location puts world-class recreation within easy reach. Located just 28 miles from Uptown Charlotte, Locust offers the perfect blend of small-town charm and big-city convenience. Built in 2024, this move-in ready gem offers all the peace of mind that comes with nearly new construction, including modern finishes, an open-concept layout designed for today's lifestyle, and a premium corner lot with a fully fenced backyard. Tucked inside the desirable Crossroads community in Locust, NC 28097 and served by Stanly County Schools, this home is ideally positioned just 20 minutes from Badin Lake, 30 minutes from Lake Tillery, and 28 miles from Uptown Charlotte — delivering the rare combination of outdoor adventure, small-town charm, and big-city access all in one address. Don't miss your opportunity to own this move-in ready, nearly new home where outdoor adventure and urban convenience meet. Schedule your private tour today!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

6/10
6/10
5/10
West Stanly High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab
  • Construction materials: Stone Veneer,Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Oven,Electric Water Heater,Microwave,Plumbed For Ice Maker
  • Laundry features: Upper Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s),Walk-In Pantry
  • Fireplace features: Living Room
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 3,108

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 3,108
  • Total interior livable area: 3,108 sqft

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 557402880668
  • Zoning: OPS
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Fencing: Back Yard

Lot

  • Lot size: 0.24 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind
Cold Wave
Hurricane
Inland Flooding
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Stanly County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

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

MonthlyAnnual
Mortgage $2,275$27,300
Home Insurance *$153$1,836
Property Taxes $213$2,556
Electricity $289$3,473
Total$2,930$35,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,457/yr
40% on housing$87,900/yr
45% on housing$78,133/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

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.

Insurance Growth Rate5-year average: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$145This listing

vs Other Active Listings

Avg $/sqft

ZIP 28097$176
Stanly County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 28097$177
Stanly County$187

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)

No zestimate history available

Price History

DateEventPrice
2026-05-08Listed for sale$465,000
2024-06-26Sold$451,340
2024-04-28Pending sale$446,340
2024-02-27Listed for sale$446,340

For Sale by Agent

AgentBobby Downey, NextHome Paramount
BrokerageNextHome Paramount

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