541 Summit Trail Dr, Hillsborough, NC 27278 Property Records

Orange County property record for 541 Summit Trail Dr, Hillsborough, NC 27278

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,564 sqft · built 2018
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Jun 2018)
Tax Bill	$4,876 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9873-33-9153`

Property Details

APN / Parcel Number

Primary APN	`9873-33-9153`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,564 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	2,178 sqft (0.05 acres)

Location & Zoning

Street Address	541 SUMMIT TRAIL DR
City	HILLSBOROUGH
State	NC
Zip	27278-6937
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	172 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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	541 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage CORPORATE INVESTORS MORTGAGE GROUP INC
Jun 1, 2018	Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Deed Document Number	2018101920
Deed Book / Page	6473 / 229
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Recording Date	Jul 15, 2026
Property Address	541 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6937
Document Number	0030136138
Book / Page	6921 / 298
Instrument Date	Jul 10, 2026
Instrument	202630136138
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6937

Mortgage

Document Number	0030136138,
Date	Jul 15, 2026
Book Page	6921/298
Instrument	202630136138

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	541 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6937
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66312010
Date	Oct 23, 2019
Book Page	6631/2010
Instrument	30009693

Lender

Name	CORPORATE INVESTORS MORTGAGE GROUP INC
Type	Mortgage Company
Address	CHAPEL HILL, NC 27517

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

June 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Jun 1, 2018
Property Address	541 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6937
Document Number	6473229
Book / Page	6473 / 229
Map Reference	MB117 PG88-93
Instrument Date	May 23, 2018
Instrument	20180601000101920
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
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	541 SUMMIT TRAIL DR, HILLSBOROUGH, NC 27278-6937

Mortgage

Document Number	20180601000101930
Date	Jun 1, 2018
Instrument	20180601000101930

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 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	$4,876.00 (+3.9%)	$386,600 (-) Land $135,000 Building $251,600	$386,600 (-) Land $135,000 Building $251,600
2025	$4,693.00 (+27.87%)	$386,600 (+59.23%) Land $135,000 Building $251,600	$386,600 (+59.23%) Land $135,000 Building $251,600
2023	$3,670.00	$242,800 Land $55,000 Building $187,800	$242,800 Land $55,000 Building $187,800

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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