4243 Island Fox Ln, Denver, NC 28037 Property Records

Lincoln County property record for 4243 Island Fox Ln, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,505 sqft · built 2017
Lot Size	1.09 acres (47,568 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,095 (Jun 2021)
Tax Bill	$4,494 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Aug 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`4605-29-5112`

Property Details

APN / Parcel Number

Primary APN	`4605-29-5112`
Alternative APNs	`285321` `92511`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,505 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Custom Design
Lot Area	47,568 sqft (1.09 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	285321
Street Address	4243 ISLAND FOX LN
City	DENVER
State	NC
Zip	28037-0257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-T
Legal Description	#5 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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4243 ISLAND FOX LN, DENVER, NC 28037-0257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Warranty Deed, Transfer · Conventional Mortgage BETHPAGE FCU
Aug 24, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 26, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK
Jul 1, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage AMERICAN SEC MTG
Nov 7, 2018	Trustee's Deed, Construction Loan · Line of Credit FTF LNDG LLC
Mar 20, 2017	Trustee's Deed, Construction Loan · Construction Mortgage SUMTER INVESTMENTS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2021 · Amount on Record
Deed Sale	Jun 28, 2021 · Amount on Record
Prior Sale	Jul 1, 2019 · Amount on Record
Deed Document Number	2021633952
Deed Book / Page	3056 / 382
Prior Transfer Date	Aug 21, 2020
Prior Transfer Doc	2943102
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 28, 2021
Property Address	4243 ISLAND FOX LN, DENVER, NC 28037-0257
Document Number	3056382
Book / Page	3056 / 382
Map Reference	MB 16 PG 342
Instrument Date	Jun 28, 2021
Instrument	633952
Transaction Type	Transfer
Record Updated	Jul 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,095.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 FOUNDATION CT UNIT 208, 146, MOORESVILLE, NC 28117-0158

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4243 ISLAND FOX LN, DENVER, NC 28037-0257

Mortgage

Document Number	633953
Date	Jun 28, 2021
Instrument	633953

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Aug 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4243 ISLAND FOX LN, DENVER, NC 28037-0257
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2941806
Date	Aug 24, 2020
Book Page	2941/806
Instrument	614449

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	DENVER, NC 28037

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NC
Recording Date	Aug 26, 2020
Property Address	4243 ISLAND FOX LN, DENVER, NC 28037-0257
Document Number	2943102
Book / Page	2943 / 102
Map Reference	MB 16 PG 342
Instrument Date	Aug 21, 2020
Instrument	614669
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4243 ISLAND FOX LN, DENVER, NC 28037-0257

Mortgage

Document Number	614670
Date	Aug 26, 2020
Instrument	614670

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

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

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 1, 2019
Property Address	4243 ISLAND FOX LN, DENVER, NC 28037-0257
Document Number	2828143
Book / Page	002828 / 000143
Instrument Date	Jul 1, 2019
Instrument	594544
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4243 ISLAND FOX LN DENVER NC 280370257, DENVER, NC 28037-0257

Mortgage

Document Number	2828145
Date	Jul 1, 2019
Book Page	002828/000145
Instrument	594545

Lender

Name	AMERICAN SEC MTG
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2049

November 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 7, 2018
Property Address	4243 ISLAND FOX LN, DENVER, NC 28037-0257
Book / Page	002780 / 000606
Instrument Date	Nov 6, 2018
Instrument	585367
Transaction Type	Construction Loan
Record Updated	Nov 16, 2018
Title Company	STATEWIDE TITLE COMPANY, STATEWIDE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	236 RACEWAY DR #7 MOORESVILLE NC 281176518, 7, MOORESVILLE, NC 28117-6518
Investor	Possibly a Property Investor

Mortgage

Document Number	2780606
Date	Nov 7, 2018
Book Page	002780/000606
Instrument	585367

Lender

Name	FTF LNDG LLC
Address	1382 W 9TH ST # 200, CLEVELAND, OH 44113-1231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 6, 2019

Interest

Rate Type	Adjustable Rate

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LINCOLN NC
Recording Date	Mar 20, 2017
Property Address	4243 ISLAND FOX LN, DENVER, NC 28037-0257
Book / Page	002653 / 000499
Instrument Date	Feb 20, 2017
Instrument	560308
Transaction Type	Construction Loan
Record Updated	Sep 30, 2017
Title Company	ATTORNEY ONLY

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

Mortgage

Document Number	2653499
Date	Mar 20, 2017
Book Page	002653/000499
Instrument	560308

Lender

Name	SUMTER INVESTMENTS LLC
Address	301 N MAIN ST, SALISBURY, NC 28144-4301

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 19, 2018

Tax Assessment & Valuation

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	$4,494.00 (+0.63%)	$715,096 (-) Land $73,711 Building $641,385	$715,096 (-) Land $73,711 Building $641,385
2025	$4,466.00 (+0.77%)	$715,096 (-) Land $73,711 Building $641,385	$715,096 (-) Land $73,711 Building $641,385
2023	$4,432.00	$715,096 Land $73,711 Building $641,385	$715,096 Land $73,711 Building $641,385

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

Flood

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

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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