3645 Sawmill Ct, Cumming, GA 30040 Property Records

Forsyth County property record for 3645 Sawmill Ct, Cumming, GA 30040

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 3,351 sqft · built 2014
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Oct 2020)
Tax Bill	$6,927 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`129-000-432`

Property Details

APN / Parcel Number

Primary APN	`129-000-432`
Alternative APNs	`0000184583` `129 432`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	2 Stories
Building Area	3,351 sqft Living Area
Basement Area	1,892 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Other
Construction Type	Wood
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	147 sqft
Deck Area	Deck Area
Patio Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000184583
Street Address	3645 SAWMILL CT
City	CUMMING
State	GA
Zip	30040-6376
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2R
Legal Description	2-1 158 LT 9 SAWMILL CREEK
Legal Subdivision	SAWMILL CREEK
Legal Block	1
Legal Lot Number	9
Jurisdiction	FORSYTH GA
Township / Civil Division	CUMMING
Census Block Group	1
Census Block	1017
Census Tract	130410

Owner

3645 Sawmill Ct is owned and occupied by two individuals who bought it in October 2020.

Source: Forsyth County records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3645 SAWMILL CT, CUMMING, GA 30040-6376
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
Aug 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE
Oct 19, 2020	Grant Deed, Transfer · Conventional with PMI PROSPERITY HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2020 · Amount on File
Deed Sale	Oct 14, 2020 · Amount on File
Prior Sale	Sep 26, 2013 · Amount on File
Deed Document Number	202010788
Deed Book / Page	9673 / 511
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Recording Date	Aug 17, 2026
Property Address	3645 SAWMILL CT, CUMMING, GA 30040-6376
Document Number	1193000500
Book / Page	11935 / 500
Instrument Date	Aug 10, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 SAWMILL CT, CUMMING, GA 30040-6376

Mortgage

Document Number	1193000500,
Date	Aug 17, 2026
Book Page	11935/500

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	3645 SAWMILL CT, CUMMING, GA 30040-6376
Transaction Type	Mortgage
Record Updated	Dec 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 SAWMILL CT, CUMMING, GA 30040-6376

Mortgage

Document Number	0104790000000636
Date	Nov 15, 2021
Book Page	0000010479/0000000636

Lender

Name	AMERISAVE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FORSYTH GA
Recording Date	Oct 19, 2020
Property Address	3645 SAWMILL CT, CUMMING, GA 30040-6376
Document Number	0096730511
Book / Page	009673 / 000511
Instrument Date	Oct 14, 2020
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$505.00
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	3645 SAWMILL CT CUMMING GA 300406376, CUMMING, GA 30040-6376

Mortgage

Document Number	96730514
Date	Oct 19, 2020
Book Page	009673/000514

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 18, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3645 Sawmill Ct was $6,927 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	$6,927.00	$335,400 Land $68,000 Building $267,400	$838,500 Land $170,000 Building $668,500
2023	$5,861.00 (-0.71%)	$287,912 (+42.73%) Land $38,400 Building $249,512	$719,780 (+42.73%) Land $96,000 Building $623,780
2022	$5,903.00	$201,712 Land $24,000 Building $177,712	$504,280 Land $60,000 Building $444,280

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 3645 Sawmill Ct in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 3645 Sawmill 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 62% of the US · lower than 80% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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