Mecklenburg County property record for 305 Silversmith Ln, Charlotte, NC 28270
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,959 sqft · built 1983 |
| Lot Size | 0.375 acres (16,355 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Sep 2021) |
| Tax Bill | $4,146 (2023) |
| Deeds & Mortgages | Apr 2025 Line of Credit Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 213-291-63 |
| Primary APN | 213-291-63 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,959 sqft Heated Area |
| Gross Area | 2,016 sqft |
| 1st Floor Area | 1,041 sqft |
| Upper Floors Area | 918 sqft |
| Flooring | Concrete/Cement |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Other |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 16,355 sqft (0.375 acres) |
| Pool Area | 512 sqft |
| Deck Area | 192 sqft |
| Patio Area | 451 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 213-291-63 |
|---|---|
| Street Address | 305 SILVERSMITH LN |
| City | CHARLOTTE |
| State | NC |
| Zip | 28270-0868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L31 B3 M20-386 |
| Legal Subdivision | SETTLERS LNDG SEC 06 |
| Legal Block | 3 |
| Legal Lot Number | 31 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 3015 |
305 Silversmith Ln is owned and occupied by an individual who bought it in September 2021.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 305 SILVERSMITH LN, CHARLOTTE, NC 28270-0868 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 3, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Sep 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage UWHARRIE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2021 · Amount on File |
| Deed Sale | Sep 30, 2021 · Amount on File |
| Prior Sale | Jul 1, 2004 · Amount on File |
| Deed Document Number | 0036591847 |
| Deed Book / Page | 36591 / 847 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 305 SILVERSMITH LN, CHARLOTTE, NC 28270-0868 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC OH |
| Name | Verified Name |
|---|---|
| Address | 305 SILVERSMITH LN, CHARLOTTE, NC 28270-0868 |
| Document Number | 0000031145 |
|---|---|
| Date | Apr 3, 2025 |
| Book Page | 39487/154 |
| Instrument | 2025031145 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 2, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 30, 2021 |
| Property Address | 305 SILVERSMITH LN, CHARLOTTE, NC 28270-0868 |
| Document Number | 0000187512 |
| Book / Page | 36591 / 847 |
| Map Reference | MB 20 PG 386 |
| Instrument Date | Sep 29, 2021 |
| Instrument | 2021187512 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 145 OAKLAND ST, MOUNT HOLLY, NC 28120-1672 |
| Name | Verified Name |
|---|---|
| Address | 305 SILVERSMITH LN, CHARLOTTE, NC 28270-0868 |
| Document Number | 0000187513 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 2021187513 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
FEMA maps place 305 Silversmith Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.
Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · 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 |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (2003–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2024 · 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 risk around 305 Silversmith 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 251 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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