4171 Island Fox Ln, Denver, NC 28037 Property Records

Lincoln County property record for 4171 Island Fox Ln, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,080 sqft · built 2019
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on File
Last Sale	$775,000 (Feb 2026)
Tax Bill	$4,198 (2026)
Deeds & Mortgages	May 2023 Line of Credit Feb 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`4605-37-1716`

Property Details

APN / Parcel Number

Primary APN	`4605-37-1716`
Alternative APNs	`315520` `274732` `92520`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,080 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Custom Design
Lot Area	54,886 sqft (1.26 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	315520
Street Address	4171 ISLAND FOX LN
City	DENVER
State	NC
Zip	28037-0307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-T
Legal Description	#14 FOX CHASE PH1 M1
Legal Subdivision	FOX CHASE
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1011
Census Tract	71203

Owner

4171 Island Fox Ln is owned and occupied by two individuals who bought it in February 2026.

Source: Lincoln County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4171 ISLAND FOX LN, DENVER, NC 28037-0307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 11, 2025	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Feb 9, 2026	Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE
Sep 30, 2019	Warranty Deed, Subdivision Related Transfer · Conventional with PMI ATLANTIC BAY MTG
Dec 4, 2018	Loan Modification, Mortgage · Line of Credit HOUSING CAP
Oct 3, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2026 · Amount on File
Deed Sale	Feb 9, 2026 · Amount on File
Prior Sale	Sep 30, 2019 · Amount on File
Deed Document Number	2026705188
Deed Book / Page	3476 / 63
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4171 ISLAND FOX LN, DENVER, NC 28037-0307
Transaction Type	Mortgage
Record Updated	Feb 23, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4171 ISLAND FOX LN, DENVER, NC 28037-0307

Mortgage

Document Number	0003251826
Date	May 30, 2023
Book Page	3251/826
Instrument	667582

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Jun 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4171 ISLAND FOX LN, DENVER, NC 28037-0307
Transaction Type	Mortgage
Record Updated	Feb 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4171 ISLAND FOX LN, DENVER, NC 28037-0307

Mortgage

Document Number	0003384879
Date	Feb 11, 2025
Book Page	3384/879
Instrument	690456

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jan 22, 2040

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 9, 2026
Property Address	4171 ISLAND FOX LN, DENVER, NC 28037-0307
Document Number	0000347663
Book / Page	3476 / 63
Map Reference	MB 16 PG 343
Instrument Date	Feb 9, 2026
Instrument	705188
Transaction Type	Transfer
Record Updated	Feb 23, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2122 HEWITT RD, CLAREMONT, NC 28610-9597

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4171 ISLAND FOX LN, DENVER, NC 28037-0307

Mortgage

Document Number	0000705189
Date	Feb 9, 2026
Instrument	705189

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

September 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Sep 30, 2019
Property Address	4171 ISLAND FOX LN, DENVER, NC 28037-0307
Document Number	2849915
Book / Page	002849 / 000915
Instrument Date	Sep 26, 2019
Instrument	598466
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$911.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4171 ISLAND FOX LN DENVER NC 28037, DENVER, NC 28037

Mortgage

Document Number	2849918
Date	Sep 30, 2019
Book Page	002849/000918
Instrument	598467

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LINCOLN NC
Recording Date	Dec 4, 2018
Property Address	4171 ISLAND FOX LN, DENVER, NC 28037-0307
Book / Page	002785 / 000192
Instrument Date	Nov 21, 2018
Instrument	586280
Transaction Type	Mortgage
Record Updated	Dec 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3139 SWIFT FOX LN DENVER NC 280370287, DENVER, NC 28037-0287
Investor	Possibly a Property Investor

Mortgage

Document Number	2785192
Date	Dec 4, 2018
Book Page	002785/000192
Instrument	586280

Lender

Name	HOUSING CAP
Type	Funding / Finance Company
Address	201 S TRYON ST # 2ND, CHARLOTTE, NC 28202-3212

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 3, 2017
Property Address	4171 ISLAND FOX LN, DENVER, NC 28037-0307
Document Number	269740
Book / Page	002697 / 000040
Instrument Date	Sep 28, 2017
Instrument	568878
Transaction Type	Transfer
Record Updated	Oct 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$11,700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 3965 MOORESVILLE NC 281173965, MOORESVILLE, NC 28117-3965
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 4171 Island Fox Ln was $4,198, up 0.6% from the year before.

Source: Lincoln County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Lincoln County
Unified School District	Lincoln County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,198.00 (+0.62%)	$666,536 (-) Land $76,836 Building $589,700	$666,536 (-) Land $76,836 Building $589,700
2025	$4,172.00	$666,536 Land $76,836 Building $589,700	$666,536 Land $76,836 Building $589,700
2023	$4,139.00	$666,536 Land $76,836 Building $589,700	$666,536 Land $76,836 Building $589,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4171 Island Fox Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2008–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4171 Island Fox Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LINCOLN COUNTY WTP serves 49,693 people · EPA ID NC0155035
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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