439 Summit Trail Dr, Hillsborough, NC 27278 Property Records

Orange County property record for 439 Summit Trail Dr, Hillsborough, NC 27278

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,959 sqft · built 2018
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Jul 2021)
Tax Bill	$5,222 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9873-33-4770`

Property Details

APN / Parcel Number

Primary APN	`9873-33-4770`

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	2,614 sqft (0.06 acres)

Location & Zoning

Street Address	439 SUMMIT TRAIL DR
City	HILLSBOROUGH
State	NC
Zip	27278-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23 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

439 Summit Trail Dr is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	439 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 15, 2021	Warranty Deed, Transfer · Conventional Mortgage CORPORATE INVESTORS MORTGAGE GROUP
Apr 4, 2019	Special Warranty Deed, Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2021 · Amount on File
Deed Sale	Jul 15, 2021 · Amount on File
Prior Sale	Apr 4, 2019 · Amount on File
Deed Document Number	202130052506
Deed Book / Page	6734 / 712
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Jul 15, 2021
Property Address	439 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	6734712
Book / Page	6734 / 712
Map Reference	MB 117 PG 88-93
Instrument Date	Jul 5, 2021
Instrument	30052506
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936

Mortgage

Document Number	6734714
Date	Jul 15, 2021
Instrument	6734/714

Lender

Name	CORPORATE INVESTORS MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

April 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Apr 4, 2019
Property Address	439 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	6597220
Book / Page	6597 / 220
Map Reference	MB 117 PG 88-93
Instrument Date	Apr 3, 2019
Instrument	20190404000057440
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	EAGLE HOME MORTGAGE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$523.00
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	439 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936

Mortgage

Document Number	20190404000057450
Date	Apr 4, 2019
Instrument	20190404000057450

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 439 Summit Trail Dr was $5,222, 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	$5,222.00 (+3.88%)	$415,600 (-) Land $135,000 Building $280,600	$415,600 (-) Land $135,000 Building $280,600
2025	$5,027.00	$415,600 Land $135,000 Building $280,600	$415,600 Land $135,000 Building $280,600
2023	$3,964.00	$263,500 Land $55,000 Building $208,500	$263,500 Land $55,000 Building $208,500

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

Flood

FEMA maps place 439 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 439 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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