Forsyth County property record for 1360 Zephyr Ct, Cumming, GA 30041
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,739 sqft · built 1994 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $993 (2024) |
| Deeds & Mortgages | Jan 2023 Reverse Mortgage Oct 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 173-000-194 |
| Primary APN | 173-000-194 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,739 sqft Living Area |
| 1st Floor Area | 1,375 sqft |
| Upper Floors Area | 1,364 sqft |
| Basement Area | 1,375 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 29,185 sqft (0.67 acres) |
| Garage Area | 431 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 0000207676 |
|---|---|
| Street Address | 1360 ZEPHYR CT |
| City | CUMMING |
| State | GA |
| Zip | 30041-8094 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2R |
| Legal Description | 2-1 212-221 LT32 PH1 GROVE PARK 1998 CORR #5904. |
| Legal Subdivision | GROVE PARK |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 32 |
| Jurisdiction | FORSYTH GA |
| Township / Civil Division | CUMMING |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 130509 |
1360 Zephyr Ct is owned and occupied by two individuals who acquired it in February 2023.
Source: Forsyth County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1360 ZEPHYR CT, CUMMING, GA 30041-8094 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 31, 2023 | Warranty Deed, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Oct 4, 2017 | Deed of Trust, Mortgage THE CITIZENS BANK OF FORSYTH COUNTY |
| Oct 22, 2020 | Loan Modification, Mortgage · Line of Credit CITIZENS BK/GA |
| May 11, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 9, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2023 |
| Deed Sale | Feb 7, 2023 |
| Prior Sale | Sep 19, 1997 · Amount on File |
| Deed Book / Page | 10926 / 325 |
| Prior Transfer Date | Jan 31, 2023 |
| Prior Transfer Doc | 0109260325 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FORSYTH GA |
| Recording Date | Jan 31, 2023 |
| Property Address | 1360 ZEPHYR CT, CUMMING, GA 30041-8094 |
| Document Number | 0109260325 |
| Book / Page | 10926 / 325 |
| Instrument Date | Jan 31, 2023 |
| Instrument | 2023-000730 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1360 ZEPHYR CT, CUMMING, GA 30041-8094 |
| Document Number | 0010926327 |
|---|---|
| Date | Jan 31, 2023 |
| Instrument | 10926/327 |
| Name | AMERICAN ADVISORS GROUP |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.38% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 1360 ZEPHYR CT, CUMMING, GA 30041-8094 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0083470727 |
|---|---|
| Date | Oct 4, 2017 |
| Book Page | 8347/727 |
| Instrument | 16120630010 |
| Name | THE CITIZENS BANK OF FORSYTH COUNTY |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 36 Months |
| Due | Oct 1, 2020 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 1360 ZEPHYR CT, CUMMING, GA 30041-8094 |
| Document Number | 0096900728 |
| Instrument Date | Oct 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1360 ZEPHYR CT CUMMING GA 300418094, CUMMING, GA 30041-8094 |
| Document Number | 0096900728 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 009690/000728 |
| Name | CITIZENS BK/GA |
|---|---|
| Type | Bank |
| Address | CUMMING, GA 30040 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Oct 26, 2023 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FORSYTH GA |
| Recording Date | May 11, 2018 |
| Property Address | 1360 ZEPHYR CT, CUMMING, GA 30041-8094 |
| Document Number | 0085520138 |
| Book / Page | 008552 / 000138 |
| Instrument Date | May 8, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1360 ZEPHYR CT CUMMING GA 300418094, CUMMING, GA 30041-8094 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FORSYTH GA |
| Recording Date | May 9, 2017 |
| Property Address | 1360 ZEPHYR CT, CUMMING, GA 30041-8094 |
| Document Number | 0081850354 |
| Book / Page | 008185 / 000354 |
| Instrument Date | May 3, 2017 |
| Instrument | 1589048 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
Source: Forsyth County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Forsyth County |
| Unified School District | Forsyth County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption | $234,136 Land $72,000 Building $162,136 | $585,340 Land $180,000 Building $405,340 |
| 2024 | $993.00 (+11.2%) | ||
| 2023 | $893.00 (-9.25%) Homeowner's exemption | $215,524 (+42.29%) Land $50,000 Building $165,524 | $538,810 (+42.29%) Land $125,000 Building $413,810 |
| 2022 | $984.00 Homeowner's exemption | $151,464 Land $34,000 Building $117,464 | $378,660 Land $85,000 Building $293,660 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1360 Zephyr Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 3, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 risk around 1360 Zephyr Ct is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 73% of Georgia |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 | CUMMING serves 58,661 people · EPA ID GA1170000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2021–2023) 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 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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