Mecklenburg County property record for 613 Silversmith Ln, Charlotte, NC 28270
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,681 sqft · built 1982 |
| Lot Size | 0.35 acres (15,274 sqft) |
| Owner | Individual Name on File |
| Last Sale | $256,500 (Jan 2019) |
| Tax Bill | $3,993 (2023) |
| Deeds & Mortgages | Aug 2020 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 213-291-10 |
| Primary APN | 213-291-10 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,681 sqft Heated Area |
| Gross Area | 2,194 sqft |
| 1st Floor Area | 855 sqft |
| Upper Floors Area | 826 sqft |
| Flooring | Concrete/Cement |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Other |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 15,274 sqft (0.35 acres) |
| Garage Area | 513 sqft |
| Deck Area | 80 sqft |
| Patio Area | 293 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 213-291-10 |
|---|---|
| Street Address | 613 SILVERSMITH LN |
| City | CHARLOTTE |
| State | NC |
| Zip | 28270-0873 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L84 B3 M20-49 |
| Legal Subdivision | SETTLERS LNDG SEC 04 |
| Legal Block | 3 |
| Legal Lot Number | 84 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 3015 |
613 Silversmith Ln is owned and occupied by an individual who bought it in January 2019.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 613 SILVERSMITH LN, CHARLOTTE, NC 28270-0873 |
| 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 |
|---|---|
| Aug 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage COLTEN MORTGAGE |
| Dec 4, 2020 | Deed of Trust, Mortgage · FHA Mortgage COLTEN MORTGAGE |
| Jan 16, 2019 | Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2019 · Amount on File |
| Deed Sale | Jan 16, 2019 · Amount on File |
| Prior Sale | Apr 18, 2013 · Amount on File |
| Deed Document Number | 0003323091 |
| Deed Book / Page | 33230 / 91 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 613 SILVERSMITH LN, CHARLOTTE, NC 28270-0873 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000135416 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 34975/289 |
| Instrument | 2020135416 |
| Name | COLTEN MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 613 SILVERSMITH LN, CHARLOTTE, NC 28270-0873 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000205262 |
|---|---|
| Date | Dec 4, 2020 |
| Book Page | 35394/201 |
| Instrument | 2020205262 |
| Name | COLTEN MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jan 16, 2019 |
| Property Address | 613 SILVERSMITH LN, CHARLOTTE, NC 28270-0873 |
| Document Number | 0000005441 |
| Book / Page | 33230 / 091 |
| Map Reference | MB 20 PG 49 |
| Instrument Date | Jan 10, 2018 |
| Instrument | 2019005441 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $513.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 101 W 55TH ST # ST13L, 101, NEW YORK, NY 10019-5343 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 613 SILVERSMITH LN, CHARLOTTE, NC 28270-0873 |
| Document Number | 0000005442 |
|---|---|
| Date | Jan 16, 2019 |
| Instrument | 2019005442 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Document Number | 0000005443 |
|---|---|
| Date | Jan 16, 2019 |
| Book Page | 33230/103 |
| Instrument | 2019005443 |
| Name | NORTH CAROLINA HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | 28066 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
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 613 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 613 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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