Forsyth County property record for 3815 James Trail Dr, Cumming, GA 30041
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 3,736 sqft · built 2013 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $489,000 (Mar 2014) |
| Tax Bill | $7,996 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Nov 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 156-000-505 |
| Primary APN | 156-000-505 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,736 sqft Living Area |
| Basement Area | 1,874 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 309 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 0000167484 |
|---|---|
| Street Address | 3815 JAMES TRAIL DR |
| City | CUMMING |
| State | GA |
| Zip | 30041-5707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES3 |
| Legal Description | 2-1 730 LT 137 EDGEBROOK AT JAMES CREEK F/K/A OVERLOOK AT JAMES CREEK PH 1 |
| Legal Subdivision | JAMES CREEK |
| Legal Phase | 1 |
| Legal Block | 3 |
| Legal Lot Number | 137 |
| Jurisdiction | FORSYTH GA |
| Township / Civil Division | BIG CREEK |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 130607 |
3815 James Trail Dr is owned and occupied by two individuals who bought it in March 2014.
Source: Forsyth County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3815 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| 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.
| Date | Document |
|---|---|
| Mar 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE |
| Nov 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE |
| Jun 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MYLENDINGPAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2014 · Amount on File |
| Deed Sale | Mar 27, 2014 · Amount on File |
| Prior Sale | Dec 13, 2012 · Amount on File |
| Deed Document Number | 20142312 |
| Deed Book / Page | 6992 / 742 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 3815 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0081330485 |
|---|---|
| Date | Mar 20, 2017 |
| Book Page | 8133/485 |
| Instrument | 15811230023 |
| Name | UNITED WHOLESALE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 3815 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0083770110 |
|---|---|
| Date | Nov 2, 2017 |
| Book Page | 8377/110 |
| Instrument | 16159760022 |
| Name | UNITED WHOLESALE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 3815 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| Document Number | 0094250746 |
| Instrument Date | Jun 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3815 JAMES TRAIL DR CUMMING GA 300415707, CUMMING, GA 30041-5707 |
| Document Number | 0094250746 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 009425/000746 |
| Name | MYLENDINGPAL INC |
|---|---|
| Address | SUWANEE, GA 30024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 23, 2035 |
The 2025 property tax bill for 3815 James Trail Dr was $7,996 with exemptions applied.
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 | $7,996.00 | $388,772 Land $90,000 Building $298,772 | $971,930 Land $225,000 Building $746,930 |
| 2023 | $6,682.00 (+3.2%) Homeowner's exemption | $336,556 (+64.3%) Land $60,000 Building $276,556 | $841,390 (+64.3%) Land $150,000 Building $691,390 |
| 2022 | $6,475.00 Homeowner's exemption | $204,844 Land $24,000 Building $180,844 | $512,110 Land $60,000 Building $452,110 |
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.
FEMA maps place 3815 James Trail Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
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 | 3 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2021 · rainfall accumulation |
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 3815 James Trail Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 89% of Georgia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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 408 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| T-Mobile Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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