3515 River Summit Trl, Duluth, GA 30097 Property Records

Gwinnett County property record for 3515 River Summit Trl, Duluth, GA 30097

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,339 sqft · built 1995
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$281,000 (May 2019)
Tax Bill	$4,703 (2025)
Deeds & Mortgages	May 2026 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7-204-459`

Property Details

APN / Parcel Number

Primary APN	`7-204-459`
Alternative APNs	`R7204-459` `2288817`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,339 sqft Living Area
Gross Area	2,759 sqft
1st Floor Area	1,075 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	8,712 sqft (0.2 acres)
Terrain	High
View / Lot	Primary
Garage Type	Attached
Garage Area	420 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	3515 RIVER SUMMIT TRL
City	DULUTH
State	GA
Zip	30097-2275
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	L50 BI SUMMIT AT RIVERBROOKE #5
Legal Subdivision	BI SUMMIT AT RIVERBROOKE
Legal Block	I
Legal Lot Number	50
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	2
Census Block	2002
Census Tract	50235

Owner

3515 River Summit Trl is owned and occupied by an individual who bought it in May 2019.

Source: Gwinnett County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	3515 RIVER SUMMIT TRL, DULUTH, GA 30097-2275
Occupancy	Owner Occupied
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
May 20, 2026	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Dec 29, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Jun 11, 2019	Grant Deed, Transfer · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2019 · Amount on File
Deed Sale	May 28, 2019 · Amount on File
Prior Sale	Sep 12, 2005 · Amount on File
Deed Document Number	201913220
Deed Book / Page	56655 / 164
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Recording Date	May 20, 2026
Property Address	3515 RIVER SUMMIT TRL, DULUTH, GA 30097-2275
Document Number	6253000284
Book / Page	62533 / 284
Instrument Date	May 20, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 RIVER SUMMIT TRL, DULUTH, GA 30097-2275

Mortgage

Document Number	6253000284,
Date	May 20, 2026
Book Page	62533/284

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3515 RIVER SUMMIT TRL, DULUTH, GA 30097-2275
Document Number	0582470891
Instrument Date	Dec 29, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 RIVER SUMMIT TRL DULUTH GA 300972275, DULUTH, GA 30097-2275

Mortgage

Document Number	0582470891
Date	Jan 7, 2021
Book Page	058247/000891

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jan 6, 2049

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GWINNETT GA
Recording Date	Jun 11, 2019
Property Address	3515 RIVER SUMMIT TRL, DULUTH, GA 30097-2275
Document Number	0566550164
Book / Page	056655 / 000164
Instrument Date	Jun 11, 2019
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$281.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 RIVER SUMMIT TRL DULUTH GA 300972275, DULUTH, GA 30097-2275

Mortgage

Document Number	566550166
Date	Jun 11, 2019
Book Page	056655/000166

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3515 River Summit Trl was $4,703.

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	$4,703.00	$183,960 Land $34,000 Building $149,960	$459,900 Land $85,000 Building $374,900
2023	$4,036.00	$167,320 Land $38,000 Building $129,320
2022			$418,300 Land $95,000 Building $323,300

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

Flood

FEMA maps place 3515 River Summit Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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	4 in force
Nearby Flood Claims	1 (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

Wildfire risk around 3515 River Summit Trl 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 94% of the US · lower than 97.5% 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 175 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Xfinity.

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