485 Summit Trail Dr, Hillsborough, NC 27278 Property Records

Orange County property record for 485 Summit Trail Dr, Hillsborough, NC 27278

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,925 sqft · built 2018
Lot Size	0.08 acres (3,485 sqft)
Owner	Trust Name on Record
Last Sale	$269,000 (May 2018)
Tax Bill	$5,158 (2026)
Deeds & Mortgages	Nov 2021 Transfer Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9873-33-7548`

Property Details

APN / Parcel Number

Primary APN	`9873-33-7548`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,925 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	485 SUMMIT TRAIL DR
City	HILLSBOROUGH
State	NC
Zip	27278-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	32 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	Trust Name on Record
Mailing Address	485 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Intrafamily Transfer, Transfer
Mar 4, 2020	Deed of Trust, Mortgage · Conventional with PMI PRIME LNDG
May 31, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Deed Document Number	2018100370
Deed Book / Page	6471 / 490
Last Transfer Date	Oct 31, 2021
Transfer Doc	0067522316
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE NC
Recording Date	Nov 1, 2021
Property Address	485 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	0067522316
Book / Page	6752 / 2316
Map Reference	MB 117 PG 88-93
Instrument Date	Oct 31, 2021
Instrument	30060221
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	485 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	485 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	66481955
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	485 SUMMIT TRAIL DR HILLSBOROUGH NC 272786936, HILLSBOROUGH, NC 27278-6936

Mortgage

Document Number	66481955
Date	Mar 9, 2020
Book Page	006648/001955
Instrument	30017269

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

May 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE NC
Recording Date	May 31, 2018
Property Address	485 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6936
Document Number	6417490
Book / Page	006417 / 000490
Instrument Date	May 29, 2018
Instrument	100370
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	$538.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	485 SUMMIT TRAIL DR HILLSBOROUGH NC 27278, HILLSBOROUGH, NC 27278

Mortgage

Document Number	6471496
Date	May 31, 2018
Book Page	006471/000496
Instrument	100380

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 30, 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	$5,158.00 (+3.87%)	$410,300 (-) Land $135,000 Building $275,300	$410,300 (-) Land $135,000 Building $275,300
2025	$4,966.00 (+21%)	$410,300 (+50.13%) Land $135,000 Building $275,300	$410,300 (+50.13%) Land $135,000 Building $275,300
2023	$4,104.00	$273,300 Land $68,800 Building $204,500	$273,300 Land $68,800 Building $204,500

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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