4189 Island Fox Ln, Denver, NC 28037 Property Records

Lincoln County property record for 4189 Island Fox Ln, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,441 sqft · built 2017
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on File
Last Sale	$830,000 (Sep 2025)
Tax Bill	$4,558 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`4605-28-7099`

Property Details

APN / Parcel Number

Primary APN	`4605-28-7099`
Alternative APNs	`293608` `266193` `312135` `92518`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story
Building Area	3,441 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Custom Design
Lot Area	38,333 sqft (0.88 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	312135
Street Address	4189 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	#12 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

4189 Island Fox Ln is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4189 ISLAND FOX LN, DENVER, NC 28037-0307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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
Oct 24, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIRECT HM LNS
Feb 13, 2018	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY
Jul 21, 2017	Grant Deed, Mortgage LEO III WALLACE
Jun 30, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2025 · Amount on File
Deed Sale	Sep 4, 2025 · Amount on File
Prior Sale	Oct 24, 2022 · Amount on File
Deed Document Number	2025698871
Deed Book / Page	3436 / 168
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 24, 2022
Property Address	4189 ISLAND FOX LN, DENVER, NC 28037-0307
Document Number	0000320666
Book / Page	3206 / 66
Map Reference	MB 16 PG 342
Instrument Date	Oct 24, 2022
Instrument	659495
Transaction Type	Transfer
Record Updated	Nov 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1932 HAWKINS ST APT 306, 1932, CHARLOTTE, NC 28203-6782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4189 ISLAND FOX LN, DENVER, NC 28037-0307

Mortgage

Document Number	0000659496
Date	Oct 24, 2022
Instrument	659496

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4189 ISLAND FOX LN, DENVER, NC 28037-0307
Document Number	2929449
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4189 ISLAND FOX LN DENVER NC 280370307, DENVER, NC 28037-0307

Mortgage

Document Number	2929449
Date	Jul 20, 2020
Book Page	002929/000449
Instrument	612365

Lender

Name	DIRECT HM LNS
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 19, 2035

February 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 13, 2018
Property Address	4189 ISLAND FOX LN, DENVER, NC 28037-0307
Document Number	2722918
Book / Page	002722 / 000918
Instrument Date	Feb 12, 2018
Instrument	574038
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$985.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4189 ISLAND FOX LN DENVER NC 280370307, DENVER, NC 28037-0307

July 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 21, 2017
Property Address	4189 ISLAND FOX LN, DENVER, NC 28037-0307
Book / Page	002679 / 000886
Instrument Date	Jul 20, 2017
Instrument	565557
Transaction Type	Mortgage
Record Updated	Sep 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 3965 MOORESVILLE NC 281173965, MOORESVILLE, NC 28117-3965

Mortgage

Document Number	2679886
Date	Jul 21, 2017
Book Page	002679/000886
Instrument	565557

Lender

Name	LEO III WALLACE
Address	301 N MAIN ST, SALISBURY, NC 28144-4301

Agreement

Amount	Amount on Record
Term	24 Months
Due	Jul 20, 2019

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 30, 2017
Property Address	4189 ISLAND FOX LN, DENVER, NC 28037-0307
Document Number	267689
Book / Page	002676 / 000089
Instrument Date	Jun 29, 2017
Instrument	564811
Transaction Type	Transfer
Record Updated	Sep 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$352.00
Additional	Arm's Length Multiple Parcels

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 4189 Island Fox Ln was $4,558.

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	$4,558.00	$725,596 Land $66,000 Building $659,596	$725,596 Land $66,000 Building $659,596
2023	$4,336.00	$699,227 Land $66,000 Building $633,227	$699,227 Land $66,000 Building $633,227

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

Flood

FEMA maps place 4189 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 4189 Island Fox Ln 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 65% of the US · above 48% 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.

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 26 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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