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I currently have 2 iPhone 5's on my Sprint account and I am tired of the lack of Sprint coverage in the Denver, CO area. LTE probably won't be until the end of 2013 so I want to switch.
Can I take my current iPhone 5 and use it on the Verizon network?
Does my Sprint account have to be paid in full to transfer the phone (if I can?)?
if it's unlocked, you can.
if your agreement with Sprint is still active, you'll pay. If not, you'll not.
You will not be able to transfer the phone to Verizon, there is no "unlock" to be done on the CDMA side. Sprint won't release the phones and Verizon will not accept them.
Sprint coverage in Denver is block-by-block, not by the entire city (my brother has Sprint in Thornton and has good coverage). Before you make any move check with your neighbors and see if anyone has Verizon and what their coverage is in your area. Sprint and Verizon often share towers in an area.