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Single Family ResidenceResidential
$447,757$153 / 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 94How 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 FERTILE VALLEY LN

RICHMOND, TX 77407
4
Beds
3
Baths
2,921 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
2017
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

$448K
$422K low$474K 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.$88,453
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$70,762
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.79%
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.$323,000
E MORTGAGE CAPITAL INC · recorded Mar 3, 2022
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.$36,304
MIDLAND MORTGAGE

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,964 (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.$451,728 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$58,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$394,693
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$451,728
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$453,193

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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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)
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.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 90 ft²Porch · 96 ft²

Transaction History(2)

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
Oakland Elementary SchoolA-
Elementary · Grades KG–5 · 1.4 mi
H
Travis High SchoolA-
High · Grades 9–12 · 2.0 mi
M
James Bowie Middle SchoolA
Middle · Grades 6–8 · 3.7 mi

District: Fort Bend Independent School District

Neighborhood · ZIP 77407These 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 100.16

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.35%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.87,082
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,484 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$106,420
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$131,988
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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 Fertile Valley Ln 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 65% of homes in Richmond 77407
  • Costs less per square foot than 65% of homes in Richmond 77407
  • Bigger than 69% of homes in Richmond 77407
  • Newer than 80% of homes in Fort Bend County

What homes are worth in Richmond 77407

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

This home
$269K$977K

This home is worth more than 65% of homes in Richmond 77407.

How it measures up in Richmond 77407

The dot is this home. The mark in the middle is the typical home in Richmond 77407.

Estimated value$447,757
CheaperTypical $384,779Pricier

Pricier than 65% of homes nearby

Price per ft²$153
CheaperTypical $163Pricier

Pricier than 35% of homes nearby

Living area2,921 ft²
SmallerTypical 2,514 ft²Bigger

Bigger than 69% of homes nearby

Lot size0.18 ac
SmallerTypical 0.16 acBigger

Bigger than 61% of homes nearby

Year built2017
OlderTypical 2013Newer

Newer than 75% of homes nearby

How 20522 Fertile Valley Ln ranks against every home in each area.
MeasureThis homeRichmond 77407Fort Bend County
Estimated valuepricier than$447,75765% of homes62% of homes
Price per ft²pricier than$15335% of homes36% of homes
Living areabigger than2,921 ft²69% of homes67% of homes
Lot sizebigger than0.18 ac61% of homes46% of homes
Year builtnewer than201775% of homes80% of homes

About 20522 Fertile Valley Ln

How much is 20522 Fertile Valley Ln, Richmond, TX worth?

The TopHap Estimate for 20522 Fertile Valley Ln, Richmond, TX is $447,757 as of Jul 14, 2026. The likely range is $422,002 to $473,512. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20522 Fertile Valley Ln, Richmond, TX last sell?

20522 Fertile Valley Ln, Richmond, TX last sold on Apr 26, 2018, according to the county's recorded deed.

How big is 20522 Fertile Valley Ln, Richmond, TX?

20522 Fertile Valley Ln, Richmond, TX has 4 bedrooms, 3 bathrooms, 2,921 square feet of living space and a 0.17-acre lot.

When was 20522 Fertile Valley Ln, Richmond, TX built?

20522 Fertile Valley Ln, Richmond, TX was built in 2017, making it 9 years old. The building has 2 stories.

What schools serve 20522 Fertile Valley Ln, Richmond, TX?

20522 Fertile Valley Ln, Richmond, TX is assigned to Oakland Elementary School (elementary), rated A-; 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 Fertile Valley Ln, Richmond, TX compare to other homes in Richmond 77407?

Among the 23,854 homes in Richmond 77407, it is worth more than 65% of them ($447,757 against a typical $384,779), its price per square foot is higher than 35% of them ($153 against a typical $163), it is bigger than 69% of them (2,921 ft² against a typical 2,514 ft²), its lot is bigger than 61% of them (0.18 ac against a typical 0.16 ac) and it is newer than 75% of them (2017 against a typical 2013). Measured against all of Fort Bend County, it is worth more than 62% 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 Fertile Valley Ln, Richmond, TX?

The 2025 property tax bill for 20522 Fertile Valley Ln, Richmond, TX was $4,964. The county assessed it at $451,728.

More homes on Fertile Valley Ln

Closest homes

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Assigned schools

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