3685 River Summit Trl, Duluth, GA 30097 Property Records

Gwinnett County property record for 3685 River Summit Trl, Duluth, GA 30097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,928 sqft · built 1993
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$163,300 (Apr 1993)
Tax Bill	$870 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7-204-358`

Property Details

APN / Parcel Number

Primary APN	`7-204-358`
Alternative APNs	`R7204-358` `1967040`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,928 sqft Living Area
Gross Area	3,368 sqft
1st Floor Area	1,028 sqft
Attic	Attic
Attic Area	147 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	10,454 sqft (0.24 acres)
Terrain	High
View / Lot	Primary
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

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	3685 RIVER SUMMIT TRL
City	DULUTH
State	GA
Zip	30097-2299
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	L73 BI SUMMIT AT RIVERBROOKE 3
Legal Subdivision	BI SUMMIT AT RIVERBROOKE 3
Legal Block	I
Legal Lot Number	73
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	2
Census Block	2002
Census Tract	50235

Owner

Source: Gwinnett County records, as of May 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	Individual Name on Record
Mailing Address	3685 RIVER SUMMIT TRL, DULUTH, GA 30097-2299
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SVGS BK
Oct 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 1993 · Amount on Record
Deed Sale	Apr 30, 1993 · Amount on Record
Deed Book / Page	8678 / 183
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3685 RIVER SUMMIT TRL, DULUTH, GA 30097-2299
Document Number	0576800394
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3685 RIVER SUMMIT TRL DULUTH GA 300972299, DULUTH, GA 30097-2299

Mortgage

Document Number	0576800394
Date	Jul 23, 2020
Book Page	057680/000394

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3685 RIVER SUMMIT TRL, DULUTH, GA 30097-2299
Document Number	0569580839
Instrument Date	Oct 2, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	FIRST INTEGRITY TITLE, FITCO-FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3685 RIVER SUMMIT TRL DULUTH GA 300972299, DULUTH, GA 30097-2299

Mortgage

Document Number	0569580839
Date	Oct 16, 2019
Book Page	056958/000839

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2049

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	$870.00 (+19.67%)	$211,960 (+8.14%) Land $34,000 Building $177,960	$529,900 (+8.14%) Land $85,000 Building $444,900
2023	$727.00	$196,000 Land $38,000 Building $158,000
2022			$490,000 Land $95,000 Building $395,000

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	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

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 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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