614 Summer Trace Ln, Richmond, TX 77406 Property Records

Fort Bend County property record for 614 Summer Trace Ln, Richmond, TX 77406

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,804 sqft · built 2006
Lot Size	0.201 acres (8,750 sqft)
Owner	Individual Name on File
Last Sale	$266,700 (Dec 2012)
Tax Bill	$1,380 (2025)
Deeds & Mortgages	Oct 2021 Reverse Mortgage Jul 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`R317434`

Property Details

APN / Parcel Number

Primary APN	`R317434`
Alternative APN	`6467-01-008-0170-901`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,804 sqft Living Area
Gross Area	4,414 sqft
1st Floor Area	2,252 sqft
2nd Floor Area	1,552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,750 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
View / Lot	Interior
Garage Type	Attached
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	336 sqft
Porch	Open Porch
Porch Area	1,506 sqft
Patio Area	139 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	614 SUMMER TRACE LN
City	RICHMOND
State	TX
Zip	77406-2193
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERS EDGE SEC 1, BLOCK 8, LOT 17, (8% LAND IN C15)
Legal Subdivision	RIVERS EDGE SEC 1
Legal Block	8
Legal Lot Number	17
Jurisdiction	FORT BEND TX
Township / Civil Division	FULSHEAR-SIMONTON
Census Block Group	1
Census Block	1019
Census Tract	673401

Owner

614 Summer Trace Ln is owned and occupied by an individual who bought it in December 2012.

Source: Fort Bend County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	614 SUMMER TRACE LN, RICHMOND, TX 77406-2193
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
Oct 29, 2021	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Jul 30, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2012 · Amount on File
Deed Sale	Dec 26, 2012 · Amount on File
Prior Sale	Jan 26, 2007 · Amount on File
Deed Document Number	2012147230
Prior Transfer Date	Dec 4, 2012
Prior Transfer Doc	0000147230
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORT BEND TX
Property Address	614 SUMMER TRACE LN, RICHMOND, TX 77406-2193
Transaction Type	Mortgage
Record Updated	Dec 17, 2021
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 SUMMER TRACE LN, RICHMOND, TX 77406-2193

Mortgage

Document Number	0000181427
Date	Oct 29, 2021
Instrument	2021181427

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.48%
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Index	1-Year CMT
Max Rate	7.48%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORT BEND TX
Property Address	614 SUMMER TRACE LN, RICHMOND, TX 77406-2193
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000096782
Date	Jul 30, 2020
Instrument	2020096782

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 614 Summer Trace Ln was $1,380 with a homeowner's exemption, down 75.9% from the year before.

Source: Fort Bend County assessment roll, as of September 2, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Fort Bend County
Unified School District	Lamar Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,380.00 (-75.87%) Homeowner's exemption	$456,000 (+8.83%) Land $54,655 Building $401,345	$456,000 (-3.83%) Land $54,655 Building $401,345
2024	$5,720.00 (+161.19%) Homeowner's exemption Senior Citizen's exemption	$418,987 (+1%) Land $54,655 Building $419,516	$474,171 (+1.72%) Land $54,655 Building $419,516
2023	$2,190.00 Homeowner's exemption Senior Citizen's exemption	$380,897 Land $42,042 Building $424,131	$466,173 Land $42,042 Building $424,131
2018	$2,808.00

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

Flood

FEMA maps place 614 Summer Trace Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 574 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	574 in force
Nearby Flood Claims	154 (2012–2024)
Claims Outside the SFHA	7 of 154
Most Recent Claim	Jul 2024 · Hurricane Beryl
Claims by Event	Hurricane Harvey, Sep 2017 · 133 claims Severe Storms And Flooding, Jun 2016 · 15 claims

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 614 Summer Trace Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% 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	FORT BEND COUNTY MUD 140 RIVERS EDGE serves 2,547 people · EPA ID TX0790445
Water Source	Purchased groundwater from CITY OF RICHMOND
Last State Inspection	May 2024
Lead	2 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 420 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
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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