Lincoln County property record for 5023 Silver Trace Ln, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,002 sqft · built 2024 |
| Lot Size | 0.079 acres (3,441 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $575,000 (Dec 2025) |
| Tax Bill | $1,761 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2024 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4604-82-2227 |
| Primary APN | 4604-82-2227 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,002 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Custom Design |
| Lot Area | 3,441 sqft (0.079 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 262520 |
|---|---|
| Street Address | 5023 SILVER TRACE LN |
| City | DENVER |
| State | NC |
| Zip | 28037-9003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R CU |
| Legal Description | #72 LT SPRINGS AT |
| Legal Subdivision | SPRINGS AT WESTPORT LLC PHASE 4 |
| Legal Lot Number | 72 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 71202 |
Source: Lincoln County records · APN 4604-82-2227
Assessment roll updated August 12, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 5023 SILVER TRACE LN, DENVER, NC 28037-9003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 01, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION |
| Oct 04, 2024 | Deed of Trust, Mortgage · Construction Mortgage THE FIDELITY BANK |
| Dec 04, 2025 | Warranty Deed, Transfer · FHA Mortgage LOWER LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 04, 2025 · Amount on Record |
| Deed Sale | Dec 04, 2025 · Amount on Record |
| Deed Document Number | 2025702771 |
| Deed Book / Page | 3460 / 775 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jun 01, 2026 |
| Property Address | 5023 SILVER TRACE LN, DENVER, NC 28037-9003 |
| Document Number | 0003508374 |
| Book / Page | 3508 / 374 |
| Instrument Date | May 27, 2026 |
| Instrument | 2026710384 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 5023 SILVER TRACE LN, DENVER, NC 28037-9003 |
| Document Number | 0000710384, |
|---|---|
| Date | Jun 01, 2026 |
| Book Page | 3508/374 |
| Instrument | 2026710384 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 5023 SILVER TRACE LN, DENVER, NC 28037-9003 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1400 BATTLEGROUND AVE 124, 124, GREENSBORO, NC 27408-8030 |
| Document Number | 0003357822 |
|---|---|
| Date | Oct 04, 2024 |
| Book Page | 3357/822 |
| Instrument | 685909 |
| Name | THE FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | FUQUAY VARINA, NC 27526 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Dec 04, 2025 |
| Property Address | 5023 SILVER TRACE LN, DENVER, NC 28037-9003 |
| Document Number | 0003460775 |
| Book / Page | 3460 / 775 |
| Map Reference | MB 24 PG 27 |
| Instrument Date | Dec 03, 2025 |
| Instrument | 702771 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 9007, DENVER, NC 28037 |
| Name | Verified Name |
|---|---|
| Address | 5023 SILVER TRACE LANE, GREENSBORO, NC 27429 |
| Document Number | 0000702772 |
|---|---|
| Date | Dec 04, 2025 |
| Instrument | 702772 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
Source: Lincoln County records · Assessment roll updated August 12, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,761.00 | $268,409 Land $80,400 Building $188,009 | $268,409 Land $80,400 Building $188,009 |
Source: FEMA National Flood Hazard Layer as of January 21, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 220 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LINCOLN COUNTY WTP serves 49,693 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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