481 Summit Trail Dr, Hillsborough, NC 27278 Property Records

Orange County property record for 481 Summit Trail Dr, Hillsborough, NC 27278

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,001 sqft · built 2018
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Aug 2018)
Tax Bill	$5,318 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9873-33-7529`

Property Details

APN / Parcel Number

Primary APN	`9873-33-7529`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,001 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	481 SUMMIT TRAIL DR
City	HILLSBOROUGH
State	NC
Zip	27278-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	31 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	Individual Name on Record
Mailing Address	481 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 3, 2019	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Aug 16, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2018 · Amount on Record
Deed Sale	Aug 16, 2018 · Amount on Record
Deed Document Number	2018157830
Deed Book / Page	6510 / 14
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	481 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Transaction Type	Mortgage
Record Updated	Dec 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006833808
Date	Nov 22, 2023
Book Page	6833/808
Instrument	30096187

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	481 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	663079
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 SUMMIT TRAIL DR HILLSBOROUGH NC 272786936, HILLSBOROUGH, NC 27278-6936

Mortgage

Document Number	663079
Date	Oct 8, 2019
Book Page	006630/000079
Instrument	30008879

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2049

August 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE NC
Recording Date	Aug 16, 2018
Property Address	481 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	651014
Book / Page	006510 / 000014
Instrument Date	Aug 1, 2018
Instrument	157830
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 SUMMIT TRAIL DR HILLSBOROUGH NC 272786936, HILLSBOROUGH, NC 27278-6936

Mortgage

Document Number	651020
Date	Aug 16, 2018
Book Page	006510/000020
Instrument	157840

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2048

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	$5,318.00 (+3.85%)	$423,700 (-) Land $135,000 Building $288,700	$423,700 (-) Land $135,000 Building $288,700
2025	$5,121.00 (+28.44%)	$423,700 (+59.83%) Land $135,000 Building $288,700	$423,700 (+59.83%) Land $135,000 Building $288,700
2023	$3,987.00	$265,100 Land $55,000 Building $210,100	$265,100 Land $55,000 Building $210,100

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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