4186 Willow Haven Dr, Denver, NC 28037 Property Records

Lincoln County property record for 4186 Willow Haven Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,138 sqft · built 2018
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Trust Names on File
Tax Bill	$7,206 (2026)
Deeds & Mortgages	Jul 2022 Transfer Jul 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3685-83-2407`

Property Details

APN / Parcel Number

Primary APN	`3685-83-2407`
Alternative APNs	`291616` `219926` `94101`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story
Building Area	5,138 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Custom Design
Lot Area	53,143 sqft (1.22 acres)
Garage Area	2 sqft

Exterior Amenities

Pool Area	630 sqft
Porch	Slab
Porch Area	506 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	291616
Street Address	4186 WILLOW HAVEN DR
City	DENVER
State	NC
Zip	28037-0319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-T
Legal Description	#13 LT WILLOW HAVEN
Legal Subdivision	WILLIOWHAVEN
Legal Lot Number	13
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	2
Census Block	2010
Census Tract	71101

Owner

4186 Willow Haven Dr is owner-occupied and held in a trust since July 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	4186 WILLOW HAVEN DR, DENVER, NC 28037-0319
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Jul 11, 2022	Intrafamily Transfer, Transfer
Jul 6, 2021	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Apr 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 7, 2022
Transfer Doc	0003179667
Record Updated	Oct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NC
Recording Date	Jul 11, 2022
Property Address	4186 WILLOW HAVEN DR, DENVER, NC 28037-0319
Document Number	0003179667
Book / Page	3179 / 667
Map Reference	MB 17 PG 177
Instrument Date	Jul 7, 2022
Instrument	654816
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4186 WILLOW HAVEN DR, 4186, DENVER, NC 28037-0319

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4186 WILLOW HAVEN DR, DENVER, NC 28037-0319

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4186 WILLOW HAVEN DR, DENVER, NC 28037-0319
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3059382
Date	Jul 6, 2021
Book Page	3059/382
Instrument	634407

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 27, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4186 WILLOW HAVEN DR, DENVER, NC 28037-0319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2938287
Date	Aug 12, 2020
Book Page	2938/287
Instrument	613814

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4186 WILLOW HAVEN DR, DENVER, NC 28037-0319
Document Number	2808286
Instrument Date	Apr 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 15, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4186 WILLOW HAVEN DR DENVER NC 28037, DENVER, NC 28037

Mortgage

Document Number	2808286
Date	Apr 8, 2019
Book Page	002808/000286
Instrument	590959

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 7, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 4186 Willow Haven Dr was $7,206, 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	$7,206.00 (+0.63%)	$1,160,511 (-) Land $66,630 Building $1,093,881	$1,160,511 (-) Land $66,630 Building $1,093,881
2025	$7,161.00	$1,160,511 Land $66,630 Building $1,093,881	$1,160,511 Land $66,630 Building $1,093,881
2023	$7,117.00	$1,160,511 Land $66,630 Building $1,093,881	$1,160,511 Land $66,630 Building $1,093,881

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

Flood

FEMA maps place 4186 Willow Haven Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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	3 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025 · 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 4186 Willow Haven Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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