Gwinnett County property record for 3640 River Summit Trl, Duluth, GA 30097
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,257 sqft · built 1993 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $146,000 (May 1993) |
| Tax Bill | $3,894 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Sep 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 7-204-337 |
| Primary APN | 7-204-337 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,257 sqft Living Area |
| Gross Area | 2,677 sqft |
| 1st Floor Area | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Lot Area | 9,583 sqft (0.22 acres) |
| View / Lot | Primary |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 20 sqft |
| Deck Area | 250 sqft |
| Patio Area | 250 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3640 RIVER SUMMIT TRL |
|---|---|
| City | DULUTH |
| State | GA |
| Zip | 30097-2276 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | L6 BH SUMMIT AT RIVERBROOKE #3 |
| Legal Subdivision | SUMMIT AT RIVERBROOKE |
| Legal Block | H |
| Legal Lot Number | 6 |
| Jurisdiction | GWINNETT GA |
| Township / Civil Division | SUWANEE-DULUTH |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 50235 |
Source: Gwinnett County records, as of July 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 | 3640 RIVER SUMMIT TRL, DULUTH, GA 30097-2276 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Sep 27, 2024 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 1993 · Amount on Record |
| Deed Sale | May 27, 1993 · Amount on Record |
| Deed Book / Page | 8801 / 226 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GWINNETT GA |
| Recording Date | Jun 17, 2026 |
| Property Address | 3640 RIVER SUMMIT TRL, DULUTH, GA 30097-2276 |
| Document Number | 6259000556 |
| Book / Page | 62592 / 556 |
| Instrument Date | Jun 17, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3640 RIVER SUMMIT TRL, DULUTH, GA 30097-2276 |
| Document Number | 6259000556, |
|---|---|
| Date | Jun 17, 2026 |
| Book Page | 62592/556 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GWINNETT GA |
| Property Address | 3640 RIVER SUMMIT TRL, DULUTH, GA 30097-2276 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3640 RIVER SUMMIT TRL, DULUTH, GA 30097-2276 |
| Document Number | 0614410016 |
|---|---|
| Date | Sep 27, 2024 |
| Book Page | 0000061441/0000000016 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 1, 2049 |
Source: Gwinnett County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Gwinnett County |
| Municipality | Duluth City |
| Unified School District | Gwinnett County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,894.00 (+15.72%) | $175,200 (+5.87%) Land $34,000 Building $141,200 | $438,000 (+5.87%) Land $85,000 Building $353,000 |
| 2023 | $3,365.00 | $165,480 Land $38,000 Building $127,480 | |
| 2022 | $413,700 Land $95,000 Building $318,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 309 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Xfinity.
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