3440 River Summit Trl, Duluth, GA 30097 Property Records

Gwinnett County property record for 3440 River Summit Trl, Duluth, GA 30097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,528 sqft · built 1995
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$227,500 (Jun 2015)
Tax Bill	$4,572 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7-204-480`

Property Details

APN / Parcel Number

Primary APN	`7-204-480`
Alternative APNs	`R7204-480` `2289023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,528 sqft Living Area
Gross Area	2,928 sqft
1st Floor Area	1,184 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Lot Area	12,196 sqft (0.28 acres)
View / Lot	Primary
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3440 RIVER SUMMIT TRL
City	DULUTH
State	GA
Zip	30097-2272
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	L25 BH SUMMIT AT RIVERBROOKE #5
Legal Subdivision	BH SUMMIT AT RIVERBROOKE
Legal Block	H
Legal Lot Number	25
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	3
Census Block	3011
Census Tract	50235

Owner

Source: Gwinnett County records, as of September 28, 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	2 Individual Names on Record
Mailing Address	3440 RIVER SUMMIT TRL, DULUTH, GA 30097-2272
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · Line of Credit
Jan 12, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING
Sep 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2015 · Amount on Record
Deed Sale	Jun 3, 2015 · Amount on Record
Prior Sale	Aug 26, 2005 · Amount on Record
Deed Document Number	201512832
Deed Book / Page	53600 / 405
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Recording Date	Aug 25, 2026
Property Address	3440 RIVER SUMMIT TRL, DULUTH, GA 30097-2272
Document Number	6272000591
Book / Page	62720 / 591
Instrument Date	Aug 25, 2026
Transaction Type	Mortgage
Record Updated	Sep 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 RIVER SUMMIT TRL, DULUTH, GA 30097-2272

Mortgage

Document Number	6272000591,
Date	Aug 25, 2026
Book Page	62720/591

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3440 RIVER SUMMIT TRL, DULUTH, GA 30097-2272
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 RIVER SUMMIT TRL, DULUTH, GA 30097-2272

Mortgage

Document Number	0595970010
Date	Jan 12, 2022
Book Page	0000059597/0000000010

Lender

Name	FIGURE LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3440 RIVER SUMMIT TRL, DULUTH, GA 30097-2272
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 RIVER SUMMIT TRL, DULUTH, GA 30097-2272

Mortgage

Document Number	0620490695
Date	Sep 4, 2025
Book Page	0000062049/0000000695

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

Source: Gwinnett County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Gwinnett County
Municipality	Duluth City
Unified School District	Gwinnett County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,572.00 (+17.68%)	$191,600 (+10.22%) Land $34,000 Building $157,600	$479,000 (+10.22%) Land $85,000 Building $394,000
2023	$3,885.00	$173,840 Land $38,000 Building $135,840
2022			$434,600 Land $95,000 Building $339,600

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 7, 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 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (2020–2023)
Most Recent Claim	Aug 2023 · river or lake flooding

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 94% of Georgia
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	GWINNETT CO. DEPT. OF WATER RESOURCES serves 975,000 people · EPA ID GA1350004
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2024–2026) 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 364 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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