453 Summit Trail Dr, Hillsborough, NC 27278 Property Records

Orange County property record for 453 Summit Trail Dr, Hillsborough, NC 27278

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,885 sqft · built 2018
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Nov 2023)
Tax Bill	$5,189 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9873-33-5687`

Property Details

APN / Parcel Number

Primary APN	`9873-33-5687`

Interior

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	453 SUMMIT TRAIL DR
City	HILLSBOROUGH
State	NC
Zip	27278-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	26 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

453 Summit Trail Dr is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	453 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
Apr 15, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 7, 2023	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jun 29, 2018	Warranty Deed, Transfer · ARM EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2023 · Amount on File
Deed Sale	Nov 7, 2023 · Amount on File
Prior Sale	Jun 29, 2018 · Amount on File
Deed Document Number	202330095549
Deed Book / Page	6831 / 2100
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	453 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	453 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936

Mortgage

Document Number	0006843919
Date	Apr 15, 2024
Book Page	6843/919
Instrument	30101150

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Nov 7, 2023
Property Address	453 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	0068312100
Book / Page	6831 / 2100
Map Reference	MB 117 PG 88-93
Instrument Date	Nov 3, 2023
Instrument	30095549
Transaction Type	Transfer
Record Updated	Jan 9, 2024

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	505 GOVERNOR DR, HILLSBOROUGH, NC 27278-6770

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	453 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936

Mortgage

Document Number	0068312102
Date	Nov 7, 2023
Instrument	6831/2102

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Jun 29, 2018
Property Address	453 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	6487350
Book / Page	6487 / 350
Map Reference	MB117 PG88-93
Instrument Date	Jun 8, 2018
Instrument	20180629000122750
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$576.00
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	505 GOVERNOR DR, HILLSBOROUGH, NC 27278-6770

Mortgage

Document Number	20180629000122760
Date	Jun 29, 2018
Instrument	20180629000122760

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.87%
Index	1-Year LIBOR
Max Rate	9.87%

Tax Assessment & Valuation

The 2026 property tax bill for 453 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 453 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 453 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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