345 Rubrum Dr, Hillsborough, NC 27278 Property Records

Orange County property record for 345 Rubrum Dr, Hillsborough, NC 27278

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,642 sqft · built 2017
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jun 2025)
Tax Bill	$4,568 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9873-35-1644`

Property Details

APN / Parcel Number

Primary APN	`9873-35-1644`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,642 sqft Living Area
Gross Area	2,840 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2020
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	1,742 sqft (0.04 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	345 RUBRUM DR
City	HILLSBOROUGH
State	NC
Zip	27278-8129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	39 PH 2 WATERSTONE TERRACES P115/95-99
Legal Subdivision	WATERSTONE
Legal Phase	2
Jurisdiction	ORANGE NC
Township / Civil Division	HILLSBOROUGH
Census Block Group	2
Census Block	2018
Census Tract	10902

Owner

Source: Orange County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	345 RUBRUM DR, HILLSBOROUGH, NC 27278-8129
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST CITIZENS BANK & TRUST CO
Jun 12, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Aug 28, 2017	Special Warranty Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2025 · Amount on Record
Deed Sale	Jun 12, 2025 · Amount on Record
Prior Sale	Aug 28, 2017 · Amount on Record
Deed Document Number	202530118656
Deed Book / Page	6881 / 1500
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	345 RUBRUM DR, HILLSBOROUGH, NC 27278-8129
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 RUBRUM DR, HILLSBOROUGH, NC 27278-8129

Mortgage

Document Number	0069081037
Date	Mar 23, 2026
Book Page	6908/1037
Instrument	30130730

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	PO BOX 11757, COLUMBIA, SC 29211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Jun 12, 2025
Property Address	345 RUBRUM DR, HILLSBOROUGH, NC 27278-8129
Document Number	0068811500
Book / Page	6881 / 1500
Map Reference	MB 115 PGS 95-99
Instrument Date	Jun 6, 2025
Instrument	30118656
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 LANSGATE CT, DURHAM, NC 27713-9130

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	345 RUBRUM DR, HILLSBOROUGH, NC 27278-8129

Mortgage

Document Number	0068811503
Date	Jun 12, 2025
Instrument	6881/1503

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

August 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Aug 28, 2017
Property Address	345 RUBRUM DR, HILLSBOROUGH, NC 27278-8129
Document Number	0006356591
Book / Page	6356 / 591
Map Reference	MB 115 PG 95
Instrument Date	Aug 25, 2017
Instrument	20170828000171530
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5711 SIX FORKS RD # RD300, 5711, RALEIGH, NC 27609-3890

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 RUBRUM DR, HILLSBOROUGH, NC 27278-8129

Mortgage

Document Number	20170828000171540
Date	Aug 28, 2017
Instrument	20170828000171540

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

Tax Assessment & Valuation

Source: Orange County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Orange County
Municipality	Hillsborough Town
Unified School District	Orange County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,568.00 (+3.91%)	$360,800 (-) Land $125,000 Building $235,800	$360,800 (-) Land $125,000 Building $235,800
2025	$4,396.00 (+25.67%)	$360,800 (+56.39%) Land $125,000 Building $235,800	$360,800 (+56.39%) Land $125,000 Building $235,800
2023	$3,498.00	$230,700 Land $45,000 Building $185,700	$230,700 Land $45,000 Building $185,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2008 · 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

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF HILLSBOROUGH serves 14,006 people · EPA ID NC0368015
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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