4438 Charleys Rd, Phelps, WI 54554 Property Records

Vilas County property record for 4438 Charleys Rd, Phelps, WI 54554

Property Summary

Property Type	Single Family Home
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Oct 2023)
Tax Bill	$3,698 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-1459`

Property Details

APN / Parcel Number

Primary APN	`18-1459`
Alternative APN	`2 GL 5-2`

Exterior

Lot Area	108,900 sqft (2.5 acres)

Location & Zoning

Street Address	4438 CHARLEYS RD
City	PHELPS
State	WI
Zip	54554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRT GOVT LOT 5
Jurisdiction	VILAS WI
Township / Civil Division	PHELPS
Census Block Group	1
Census Block	1007
Census Tract	950202

Owner

Source: Vilas County records, as of February 19, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2167 RIVER RD, SPENCER, IN 47460-6713
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage INCREDIBLEBANK
Oct 3, 2023	Deed, Transfer · Conventional Mortgage INCREDIBLEBANK
Oct 16, 2018	Intrafamily Transfer, Transfer NORTHWOODS TITLE & CLOSING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2023 · Amount on Record
Deed Sale	Oct 3, 2023 · Amount on Record
Prior Sale	Oct 16, 2018
Deed Document Number	604237
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	4438 CHARLEYS RD, PHELPS, WI 54554
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2167 RIVER RD, SPENCER, IN 47460-6713

Mortgage

Document Number	0000620253
Date	Dec 1, 2025
Instrument	620253

Lender

Name	INCREDIBLEBANK
Type	Bank
Address	WAUSAU, WI 54401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2035
Change Frequency	6 Months
Min Rate At Change	5%
Max Rate At Change	9.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12.5%

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	VILAS WI
Recording Date	Oct 3, 2023
Property Address	4438 CHARLEYS RD, PHELPS, WI 54554
Document Number	0000604237
Instrument Date	Oct 3, 2023
Instrument	604237
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NORTHWOODS TITLE AND CLOSING SERVICES, NORTHWOODS TTL & CLOSING SVC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000604238
Date	Oct 3, 2023
Instrument	604238

Lender

Name	INCREDIBLEBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	8.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2033
Change Frequency	Annually
Min Rate At Change	6.75%
Max Rate At Change	10.7%
Margin	3
Max Rate	10.7%

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VILAS WI
Recording Date	Oct 16, 2018
Property Address	4438 CHARLEYS RD, PHELPS, WI 54554
Document Number	0000557723
Instrument Date	Oct 12, 2018
Instrument	557723
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	NORTHWOODS TITLE & CLOSING

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	00000

Tax Assessment & Valuation

Source: Vilas County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Vilas County
County Subdivision	Phelps Town
Unified School District	Phelps School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,698.00 (+9.64%)	$298,300 (-) Land $216,000 Building $82,300
2023	$3,373.00 (-4.96%)	$298,300 (-) Land $216,000 Building $82,300
2022	$3,549.00	$298,300 Land $216,000 Building $82,300	$364,500

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 June 5, 2012 · 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	1 in force

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 80% of the US · above 57% of Wisconsin
Wildfire Likelihood	0.01% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bug Tussel Wireless Fixed Wireless	50 / 8
Frontier DSL	10 / 1

May also be available: SonicNet, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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