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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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3560 Saddle Ridge Rd , Stem, NC 27581
$519,900
Est. Payment: $2,921.86/mo
3 Bed
3 Bath
2233 Sqft
0.94 Acres
Status: active | Days on site: 5
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Terri Bias
Operator/Brokerage Owner

House Description

Gorgeous home in sought after Saddle Ridge neighborhood with no HOA! This home has so much to offer. Three bedroom, two and half bath home with a two-car garage that has epoxy flooring, a generator hook-up and a sink. The rocking chair front porch leads you to the two-story foyer with chandelier and crown molding. Next, you'll enter your spacious family room that has a gas log fireplace with marble surround with mantle, a vaulted ceiling, ceiling fan/light combo and crown molding. Home has new paint throughout, newer carpet upstairs, hardwood floors throughout the first floor except for the primary bathroom and laundry room that have tile/porcelain. The separate dining room has picture framing, chair railing and a coffered ceiling. Kitchen offers white cabinets with crown molding, soft close piston drawers, granite counter tops with tile backsplash, touchless pulldown faucet, a cup washer and large pantry. Enjoy sitting in your breakfast area that has lots of natural light overlooking the spacious back deck with a pool view. Laundry room with folding table cabinet with tile backsplash and porcelain floors. First floor primary suite has a vaulted ceiling, chandelier, and Palladian window. Primary bathroom with double granite top vanity, soft close piston drawers, tile flooring, shower with rain shower head, shower head and handheld shower hose, corner jetted tub, make-up vanity, walk-in closet and linen closet. This home also has a downstairs half bath with picture framing! As you go upstairs, you will see two spacious bedrooms that have new ceiling fan/light combos and your huge bonus room that offers a lot of use flexibility. You'll also notice the pull-down attic and walk-in attic space with lots of room for storage. Outside you'll see the beautiful above-ground pool in your peaceful fenced in backyard that has a paved basketball court (without goal) too! The expanded driveway offers room to park your camper and includes a 50-amp camper hookup and also still leaves room for parking of at least six cars when entertaining. Lastly, the home has two HVAC units and a large, sealed crawl space. Don't miss out on the opportunity to live in this home located in a wonderful neighborhood!

Highlights

Listed by LeAnne Daniel , Cardinal Real Estate Group , Triangle MLS, Inc. of North Carolina mls logo

Property Type

Residential

Lot/Acreage
0.94

Year Built

2010

County

Granville

Neighborhood

Saddle Ridge

Listing ID

10197145

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Microwave, Range, Refrigerator
Air Cond:Ceiling Fan(s),Central Air,Heat Pump
Fireplaces:Gas Log,Living Room
Floor:Carpet,Ceramic Tile,Hardwood
Above Ground Sq Ft:2233
Other:
  • ▪ Additional:Ceiling Fan(s), Coffered Ceiling(s), Crown Molding, Double Vanity, Granite Counters, Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s), Walk-In Shower
Water:Well

Exterior Features

Lot:Back Yard,Cleared,Front Yard,Hardwood Trees,Landscaped,Wooded
Lot Dimensions:.94
Roof:Shingle
Others:
  • ▪ Additional:Fenced Yard, Deck, Front Porch
Sewer:Septic Tank
Parking Features:RV Access/Parking,Two Car Garage,Garage,Attached Garage
Principal Interest
$2,922
Taxes
$331

Home Price

$519,900

Loan Details

30 yrs
7.548%

Down Payment

20%
$103,980
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Monthly Price:
$2,921.86

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,921.86 $331.44 $0.00 $3,253.29
Yearly $35,062.27 $3,977.24 $0.00 $39,039.50
Total $1,051,868.05 $119,317.05 $0.00 $1,171,185.10

Today's Rates

30 Year

7.55%

20 Year

7.5%

15 Year

6.75%

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Market insight data is pulled from the same city as the listing being viewed (Stem, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information Not Guaranteed.
Listings marked with an icon are provided courtesy of the Triangle MLS, Inc. of North Carolina, Internet Data Exchange Database.
©2026 Triangle MLS, Inc. of North Carolina. All rights reserved.

Data last updated: 2026-10-14T03:55:37.000Z

© 2026 Triangle MLS, Inc. of North Carolina

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