458 Summit Trail Dr, Hillsborough, NC 27278 Property Records

Orange County property record for 458 Summit Trail Dr, Hillsborough, NC 27278

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,082 sqft · built 2018
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Sep 2022)
Tax Bill	$5,410 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9873-33-5552`

Property Details

APN / Parcel Number

Primary APN	`9873-33-5552`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,082 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	458 SUMMIT TRAIL DR
City	HILLSBOROUGH
State	NC
Zip	27278-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 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

458 Summit Trail Dr is owned by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	826 BRISTOL BRIDGE DR, CARY, NC 27519-1011
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
Sep 15, 2022	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Oct 23, 2019	Deed of Trust, Mortgage · VA Mortgage USAA
Nov 21, 2018	Grant Deed, Subdivision Related Transfer · VA Mortgage EAGLE HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2022 · Amount on File
Deed Sale	Sep 15, 2022 · Amount on File
Prior Sale	Nov 21, 2018 · Amount on File
Deed Document Number	202230078739
Deed Book / Page	6795 / 869
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Sep 15, 2022
Property Address	458 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	0006795869
Book / Page	6795 / 869
Map Reference	MB 117 PG 88-93
Instrument Date	Sep 2, 2022
Instrument	30078739
Transaction Type	Transfer
Record Updated	Oct 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	458 SUMMIT TRAIL DR, 458, HILLSBOROUGH, NC 27278-6936

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 BRISTOL BRIDGE DR, CARY, NC 27519-1011

Mortgage

Document Number	0006795871
Date	Sep 15, 2022
Instrument	6795/871

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	458 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	6632497
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	458 SUMMIT TRAIL DR HILLSBOROUGH NC 272786936, HILLSBOROUGH, NC 27278-6936

Mortgage

Document Number	6632497
Date	Oct 25, 2019
Book Page	006632/000497
Instrument	30009856

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2049

November 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE NC
Recording Date	Nov 21, 2018
Property Address	458 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	654744
Book / Page	006547 / 000044
Instrument Date	Nov 20, 2018
Instrument	220180
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 11, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$543.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	458 SUMMIT TRAIL DR HILLSBOROUGH NC 272786936, HILLSBOROUGH, NC 27278-6936

Mortgage

Document Number	654750
Date	Nov 21, 2018
Book Page	006547/000050
Instrument	220190

Lender

Name	EAGLE HM MTG
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 458 Summit Trail Dr was $5,410, 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	$5,410.00 (+3.86%)	$431,400 (-) Land $135,000 Building $296,400	$431,400 (-) Land $135,000 Building $296,400
2025	$5,209.00	$431,400 Land $135,000 Building $296,400	$431,400 Land $135,000 Building $296,400
2023	$4,131.00	$275,200 Land $55,000 Building $220,200	$275,200 Land $55,000 Building $220,200

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

Flood

FEMA maps place 458 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 458 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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