421 Summit Trail Dr, Hillsborough, NC 27278 Property Records

Orange County property record for 421 Summit Trail Dr, Hillsborough, NC 27278

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,959 sqft · built 2018
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$264,500 (Jan 2019)
Tax Bill	$5,199 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9873-33-3731`

Property Details

APN / Parcel Number

Primary APN	`9873-33-3731`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,959 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	3,485 sqft (0.08 acres)

Location & Zoning

Street Address	421 SUMMIT TRAIL DR
City	HILLSBOROUGH
State	NC
Zip	27278-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	19 PH 2 HARMONY AT WATERSTONE P117/88-93
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	421 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 25, 2019	Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2019 · Amount on Record
Deed Sale	Jan 25, 2019 · Amount on Record
Deed Document Number	201914660
Deed Book / Page	6570 / 355
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	421 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	67191321
Date	Apr 28, 2021
Book Page	6719/1321
Instrument	30046391

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Jan 25, 2019
Property Address	421 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	6570355
Book / Page	6570 / 355
Map Reference	MB 117 PG 88-93
Instrument Date	Jan 25, 2019
Instrument	20190125000014660
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$529.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1100 PERIMETER PARK DR # DR112, 1100, MORRISVILLE, NC 27560-0180

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936

Mortgage

Document Number	20190125000014670
Date	Jan 25, 2019
Instrument	20190125000014670

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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	$5,199.00 (+3.88%)	$413,700 (-) Land $135,000 Building $278,700	$413,700 (-) Land $135,000 Building $278,700
2025	$5,005.00 (+26.58%)	$413,700 (+57.42%) Land $135,000 Building $278,700	$413,700 (+57.42%) Land $135,000 Building $278,700
2023	$3,954.00	$262,800 Land $55,000 Building $207,800	$262,800 Land $55,000 Building $207,800

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	Direct burnable vegetation

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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed, T-Mobile.

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