422 Summit Trail Dr, Hillsborough, NC 27278 Property Records

Orange County property record for 422 Summit Trail Dr, Hillsborough, NC 27278

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,885 sqft · built 2018
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Jul 2022)
Tax Bill	$5,189 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`9873-33-3545`

Property Details

APN / Parcel Number

Primary APN	`9873-33-3545`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,885 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	422 SUMMIT TRAIL DR
City	HILLSBOROUGH
State	NC
Zip	27278-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 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

422 Summit Trail Dr is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	422 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2022	Warranty Deed, Transfer · Conventional Mortgage QUONTIC BANK FSB
Jun 17, 2019	Grant Deed, Subdivision Related Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2022 · Amount on File
Deed Sale	Jul 22, 2022 · Amount on File
Prior Sale	Jun 17, 2019 · Amount on File
Deed Document Number	202230076129
Deed Book / Page	6789 / 1332
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Jul 22, 2022
Property Address	422 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	0067891332
Book / Page	6789 / 1332
Map Reference	MB 117 PG 88-93
Instrument Date	Jul 22, 2022
Instrument	30076129
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	619 N MAIN ST, 619, GRAHAM, NC 27253-2252

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936

Mortgage

Document Number	0067891334
Date	Jul 22, 2022
Instrument	6789/1334

Lender

Name	QUONTIC BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE NC
Recording Date	Jun 17, 2019
Property Address	422 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	6615822
Book / Page	006615 / 000822
Instrument Date	Jun 17, 2019
Instrument	30002265
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$522.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 SUMMIT TRAIL DR HILLSBOROUGH NC 272786936, HILLSBOROUGH, NC 27278-6936

Tax Assessment & Valuation

The 2026 property tax bill for 422 Summit Trail Dr was $5,189, up 3.9% from the year before.

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	$5,189.00 (+3.86%)	$412,900 (-) Land $135,000 Building $277,900	$412,900 (-) Land $135,000 Building $277,900
2025	$4,996.00	$412,900 Land $135,000 Building $277,900	$412,900 Land $135,000 Building $277,900
2023	$4,132.00	$275,300 Land $68,800 Building $206,500	$275,300 Land $68,800 Building $206,500

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

Flood

FEMA maps place 422 Summit Trail Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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

Wildfire risk around 422 Summit Trail Dr is low, with a 0.01% 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	0.01% 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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