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51 photos

$519,900

3560 Saddle Ridge Road, Stem, NC 27581
Stem, NC 27581
Listed by LeAnne Daniel · Cardinal Real Estate Group
Bedrooms
3
Bathrooms
2.5
Living area
N/A
Year built
2010

About this home

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

Fireplace

Property details

MLS
Doorify MLS
MLS #
10197145
Property type
Single Family Residence
Subdivision
Saddle Ridge
Status
Active
Days on market
12
On market date
October 7, 2026
Stories
N/A
Total bathrooms
2.5
Garage spaces
2
Parking spaces
N/A
Lot size
0.94 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
Butner-Stem Elementary
4.66 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: C (2025)
Enrollment
429
Student:teacher ratio
15.9:1
District
Granville County Schools
Middle
Butner-Stem Middle
4.37 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.3
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: D (2025)
Enrollment
437
Student:teacher ratio
16.2:1
District
Granville County Schools
High
Granville Central High
3.68 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
3.0
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: C (2025)
Enrollment
616
Student:teacher ratio
17.6:1
District
Granville County Schools

Walkability

Blended score for Stem's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

16
Very car-dependent
out of 100
EPA National Walkability Index
4.5 / 20 -- Least walkable
Google Places amenity density
5 / 100
Restaurants & cafes0
Grocery stores0
Parks1
Schools0
Transit stops0
Pharmacies0

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Adjust tax / insurance estimates
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/mo
Est. monthly payment
$3,281/mo
$103,980 down
$415,920 loan
Principal & interest$2,698
Property tax (est.)$433
Home insurance (est.)$150

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Data source: Listing information provided by Doorify MLS via Trestle/CoreLogic. Last updated 4 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.