Mecklenburg County property record for 413 Silversmith Ln, Charlotte, NC 28270
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,881 sqft · built 1984 |
| Lot Size | 0.419 acres (18,276 sqft) |
| Owner | Individual Name on File |
| Last Sale | $153,000 (Jul 2012) |
| Tax Bill | $3,887 (2023) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 213-291-73 |
| Primary APN | 213-291-73 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,881 sqft Heated Area |
| Gross Area | 1,917 sqft |
| 1st Floor Area | 1,241 sqft |
| Upper Floors Area | 640 sqft |
| Flooring | Concrete/Cement |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Other |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 18,276 sqft (0.419 acres) |
| Patio Area | 186 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 213-291-73 |
|---|---|
| Street Address | 413 SILVERSMITH LN |
| City | CHARLOTTE |
| State | NC |
| Zip | 28270-0870 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L21B3M20-386 |
| Legal Subdivision | SETTLERS LNDG SEC 06 |
| Legal Block | 3 |
| Legal Lot Number | 21B |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 3015 |
413 Silversmith Ln is owned and occupied by an individual who bought it in July 2012.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 413 SILVERSMITH LN, CHARLOTTE, NC 28270-0870 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2012 · Amount on File |
| Deed Sale | Jul 27, 2012 · Amount on File |
| Deed Document Number | 0002752582 |
| Deed Book / Page | 27525 / 82 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 413 SILVERSMITH LN, CHARLOTTE, NC 28270-0870 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0000146103 |
|---|---|
| Date | Jul 29, 2021 |
| Book Page | 36351/890 |
| Instrument | 2021146103 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Aug 1, 2045 |
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 413 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 413 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 66% of the US · above 46% 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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