3640 Oconee Ct, Cumming, GA 30040 Property Records

Forsyth County property record for 3640 Oconee Ct, Cumming, GA 30040

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,818 sqft · built 2016
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$659,900 (Oct 2020)
Tax Bill	$8,775 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-000-414`

Property Details

APN / Parcel Number

Primary APN	`054-000-414`
Alternative APNs	`0000218291` `054 414`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	4,818 sqft Living Area
Basement Area	2,158 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Garage Area	582 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	486 sqft
Deck Area	Deck Area
Patio Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	0000218291
Street Address	3640 OCONEE CT
City	CUMMING
State	GA
Zip	30040-9772
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES3
Legal Description	3-1-1021 LT 102 PH 1 RESERVE AT LAKEVIEW
Legal Subdivision	RESERVE AT LAKEVIEW
Legal Phase	1
Legal Block	1
Legal Lot Number	102
Jurisdiction	FORSYTH GA
Township / Civil Division	CUMMING
Census Block Group	1
Census Block	1016
Census Tract	130307

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3640 OCONEE CT, CUMMING, GA 30040-9772
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage STONEGATE MORTGAGE
Apr 6, 2017	Deed of Trust, Mortgage TCF NATIONAL BANK
Nov 2, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2020 · Amount on Record
Deed Sale	Oct 27, 2020 · Amount on Record
Prior Sale	Mar 24, 2017 · Amount on Record
Deed Document Number	202011329
Deed Book / Page	9701 / 697
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	3640 OCONEE CT, CUMMING, GA 30040-9772
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081510642
Date	Apr 6, 2017
Book Page	8151/642
Instrument	15838450018

Lender

Name	STONEGATE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	3640 OCONEE CT, CUMMING, GA 30040-9772
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081510660
Date	Apr 6, 2017
Book Page	8151/660
Instrument	15838460014

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FORSYTH GA
Recording Date	Nov 2, 2020
Property Address	3640 OCONEE CT, CUMMING, GA 30040-9772
Document Number	0097010697
Book / Page	009701 / 000697
Instrument Date	Oct 27, 2020
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
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	3640 OCONEE CT CUMMING GA 300409772, CUMMING, GA 30040-9772

Mortgage

Document Number	97010700
Date	Nov 2, 2020
Book Page	009701/000700

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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	$8,775.00 (-0.37%)	$357,872 (-) Land $52,000 Building $305,872	$894,680 (-) Land $130,000 Building $764,680
2023	$8,808.00 (+14.64%)	$357,872 (+70.11%) Land $52,000 Building $305,872	$894,680 (+70.11%) Land $130,000 Building $764,680
2022	$7,683.00	$210,376 Land $32,000 Building $178,376	$525,940 Land $80,000 Building $445,940

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

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	6 in force
Nearby Flood Claims	1 (2009)
Most Recent Claim	Sep 2009 · river or lake flooding

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

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

Wildfire Risk	Low lower than 62% of the US · lower than 80% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FORSYTH CO. WATER & SEWER serves 161,200 people · EPA ID GA1170050
Water Source	Surface water
Last State Inspection	May 2024
Lead	1 ppb (2022–2024) 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 227 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

May also be available: Verizon.

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