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Single Family ResidenceResidential
$514,968$156 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

20522 ELDERWOOD TERRACE DR

RICHMOND, TX 77406
4
Beds
2
Baths
3,300 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
2012
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$515K
$479K low$550K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$229,468
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$183,574
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.56%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$277,500
CITIZENS BANK NA · recorded Aug 5, 2020
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$8,000
FROST BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,661 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$512,036 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$65,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$499,521
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$512,036
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$564,521

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.18 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyFort Bend
Lot (acres)The size of the land the home sits on, from county records.0.17
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Pool W/Hot Tub/Spa
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 176 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Pecan Grove Elementary SchoolB-
Elementary · Grades PK–5 · 1.1 mi
H
Travis High SchoolA-
High · Grades 9–12 · 1.5 mi
M
James Bowie Middle SchoolA
Middle · Grades 6–8 · 2.5 mi

District: Fort Bend Independent School District

Neighborhood · ZIP 77406These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.69
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.70,172
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,000 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$135,899
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$166,511
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20522 Elderwood Terrace Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 72% of homes in Fort Bend County
  • Costs less per square foot than 76% of homes in Long Meadow Farms
  • Bigger than 78% of homes in Fort Bend County
  • Has a smaller lot than 76% of homes in Long Meadow Farms
  • Newer than 67% of homes in Fort Bend County

What homes are worth in Richmond 77406

Each bar is how many homes fall in that price range. The marker is this home.

This home
$227K$1.4M

This home is worth more than 67% of homes in Richmond 77406.

How it measures up in Richmond 77406

The dot is this home. The mark in the middle is the typical home in Richmond 77406.

Estimated value$514,968
CheaperTypical $433,532Pricier

Pricier than 67% of homes nearby

Price per ft²$156
CheaperTypical $165Pricier

Pricier than 36% of homes nearby

Living area3,300 ft²
SmallerTypical 2,643 ft²Bigger

Bigger than 74% of homes nearby

Lot size0.17 ac
SmallerTypical 0.18 acBigger

Bigger than 39% of homes nearby

Year built2012
OlderTypical 2012Newer

Newer than 50% of homes nearby

How 20522 Elderwood Terrace Dr ranks against every home in each area.
MeasureThis homeLong Meadow FarmsRichmond 77406Fort Bend County
Estimated valuepricier than$514,96852% of homes67% of homes72% of homes
Price per ft²pricier than$15624% of homes36% of homes39% of homes
Living areabigger than3,300 ft²58% of homes74% of homes78% of homes
Lot sizebigger than0.17 ac24% of homes39% of homes39% of homes
Year builtnewer than201254% of homes50% of homes67% of homes

About 20522 Elderwood Terrace Dr

How much is 20522 Elderwood Terrace Dr, Richmond, TX worth?

The TopHap Estimate for 20522 Elderwood Terrace Dr, Richmond, TX is $514,968 as of Jul 14, 2026. The likely range is $479,445 to $550,491. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20522 Elderwood Terrace Dr, Richmond, TX last sell?

20522 Elderwood Terrace Dr, Richmond, TX last sold on Feb 21, 2013, according to the county's recorded deed.

How big is 20522 Elderwood Terrace Dr, Richmond, TX?

20522 Elderwood Terrace Dr, Richmond, TX has 4 bedrooms, 2 bathrooms, 3,300 square feet of living space and a 0.17-acre lot.

When was 20522 Elderwood Terrace Dr, Richmond, TX built?

20522 Elderwood Terrace Dr, Richmond, TX was built in 2012, making it 14 years old. The building has 2 stories.

What schools serve 20522 Elderwood Terrace Dr, Richmond, TX?

20522 Elderwood Terrace Dr, Richmond, TX is assigned to Pecan Grove Elementary School (elementary), rated B-; Travis High School (high), rated A-; James Bowie Middle School (middle), rated A. All sit in Fort Bend Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20522 Elderwood Terrace Dr, Richmond, TX compare to other homes in Richmond 77406?

Among the 24,033 homes in Richmond 77406, it is worth more than 67% of them ($514,968 against a typical $433,532), its price per square foot is higher than 36% of them ($156 against a typical $165), it is bigger than 74% of them (3,300 ft² against a typical 2,643 ft²), its lot is bigger than 39% of them (0.17 ac against a typical 0.18 ac) and it is newer than 50% of them (2012 against a typical 2012). Measured against all of Fort Bend County, it is worth more than 72% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20522 Elderwood Terrace Dr, Richmond, TX?

The 2025 property tax bill for 20522 Elderwood Terrace Dr, Richmond, TX was $5,661. The county assessed it at $512,036.

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