3625 Coldwater Ct, Cumming, GA 30041 Property Records

Forsyth County property record for 3625 Coldwater Ct, Cumming, GA 30041

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,792 sqft · built 2002
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Jun 2017)
Tax Bill	$6,358 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`228-000-106`

Property Details

APN / Parcel Number

Primary APN	`228-000-106`
Alternative APNs	`000000086792` `0000172435` `228 106`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,792 sqft Living Area
1st Floor Area	1,416 sqft
Basement Area	1,416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Other
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	33,977 sqft (0.78 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	155 sqft
Deck Area	Deck Area
Patio Area	553 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000172435
Street Address	3625 COLDWATER CT
City	CUMMING
State	GA
Zip	30041-2876
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2R
Legal Description	14-1 53 LOT 581 PH IIB CRC
Legal Subdivision	CHAT RIVER CLUB
Legal Phase	2B
Legal Block	1
Legal Lot Number	581
Jurisdiction	FORSYTH GA
Township / Civil Division	CUMMING
Census Block Group	1
Census Block	1010
Census Tract	130508

Owner

3625 Coldwater Ct is owned and occupied by two individuals who bought it in June 2017.

Source: Forsyth County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3625 COLDWATER CT, CUMMING, GA 30041-2876
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
Nov 19, 2020	Deed of Trust, Mortgage · Conventional with PMI SOUTH ST BK
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTERSTATE BK NA
Jun 13, 2017	Deed with Mortgage, Transfer · Conventional with PMI NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2017 · Amount on File
Deed Sale	Jun 8, 2017 · Amount on File
Prior Sale	Aug 4, 2003 · Amount on File
Deed Document Number	20175695
Deed Book / Page	8222 / 185
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	3625 COLDWATER CT, CUMMING, GA 30041-2876
Document Number	0097650360
Instrument Date	Nov 19, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	REAL TITLE SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3625 COLDWATER CT CUMMING GA 300412876, CUMMING, GA 30041-2876

Mortgage

Document Number	0097650360
Date	Nov 28, 2020
Book Page	009765/000360

Lender

Name	SOUTH ST BK
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 27, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	3625 COLDWATER CT, CUMMING, GA 30041-2876
Document Number	0091000031
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 18, 2019
Title Company	REAL TITLE SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3625 COLDWATER CT CUMMING GA 300412876, CUMMING, GA 30041-2876

Mortgage

Document Number	0091000031
Date	Nov 6, 2019
Book Page	009100/000031

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2049

June 2017: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	FORSYTH GA
Recording Date	Jun 13, 2017
Property Address	3625 COLDWATER CT, CUMMING, GA 30041-2876
Document Number	0082220185
Book / Page	008222 / 000185
Instrument Date	Jun 8, 2017
Instrument	1594540
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	WEISSMAN TITLE SERVICES, WEISSMAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$455.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3625 COLDWATER CT CUMMING GA 300412876, CUMMING, GA 30041-2876

Mortgage

Document Number	82220188
Date	Jun 13, 2017
Book Page	008222/000188
Instrument	1594540

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	ATLANTA, GA 30305

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3625 Coldwater Ct was $6,358 with exemptions applied.

Source: Forsyth County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Forsyth County
Unified School District	Forsyth County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,358.00	$292,800 Land $72,000 Building $220,800	$732,000 Land $180,000 Building $552,000
2023	$5,217.00 (+0.73%) Homeowner's exemption	$254,620 (+42.41%) Land $60,000 Building $194,620	$636,550 (+42.41%) Land $150,000 Building $486,550
2022	$5,179.00 Homeowner's exemption	$178,788 Land $40,000 Building $138,788	$446,970 Land $100,000 Building $346,970

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3625 Coldwater Ct in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 3625 Coldwater Ct is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 85% of Georgia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	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

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 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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