Forsyth County property record for 3865 James Trail Dr, Cumming, GA 30041
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 4,524 sqft · built 2013 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $495,990 (Feb 2014) |
| Tax Bill | $8,524 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 156-000-510 |
| Primary APN | 156-000-510 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 4,524 sqft Living Area |
| Basement Area | 2,041 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 | 13,939 sqft (0.32 acres) |
| Garage Area | 462 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 282 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 0000157264 |
|---|---|
| Street Address | 3865 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 142 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 | 142 |
| Jurisdiction | FORSYTH GA |
| Township / Civil Division | BIG CREEK |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 130607 |
3865 James Trail Dr is owned and occupied by two individuals who bought it in February 2014.
Source: Forsyth County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3865 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 |
|---|---|
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE |
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG |
| Dec 31, 2018 | Quit Claim Deed, Transfer Quitclaim |
| May 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 2014 · Amount on File |
| Deed Sale | Feb 21, 2014 · Amount on File |
| Prior Sale | Dec 13, 2012 · Amount on File |
| Deed Document Number | 20141262 |
| Deed Book / Page | 6965 / 324 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 3865 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3865 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| Document Number | 0104900000000528 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 0000010490/0000000528 |
| Name | FREEDOM MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 3865 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| Document Number | 0096600023 |
| Instrument Date | Oct 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3865 JAMES TRAIL DR CUMMING GA 300415707, CUMMING, GA 30041-5707 |
| Document Number | 0096600023 |
|---|---|
| Date | Oct 12, 2020 |
| Book Page | 009660/000023 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 11, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FORSYTH GA |
| Recording Date | Dec 31, 2018 |
| Property Address | 3865 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| Document Number | 0087670236 |
| Book / Page | 008767 / 000236 |
| Instrument Date | Dec 6, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3865 JAMES TRAIL DR CUMMING GA 300415707, CUMMING, GA 30041-5707 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 3865 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| Document Number | 0082120201 |
| Book / Page | 008212 / 000201 |
| Instrument Date | May 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3865 JAMES TRAIL DR CUMMING GA 300415707, CUMMING, GA 30041-5707 |
| Document Number | 0082120201 |
|---|---|
| Date | Jun 5, 2017 |
| Book Page | 008212/000201 |
| Instrument | 1593087 |
| Name | JG WENTWORTH HM LNDG |
|---|---|
| Address | WOODBRIDGE, VA 22192 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 4, 2047 |
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 Additional exemption filed | $441,972 Land $90,000 Building $351,972 | $1,104,930 Land $225,000 Building $879,930 |
| 2024 | $8,524.00 (+12.28%) | ||
| 2023 | $7,592.00 (+4.07%) Homeowner's exemption | $385,276 (+62.75%) Land $60,000 Building $325,276 | $963,190 (+62.75%) Land $150,000 Building $813,190 |
| 2022 | $7,295.00 Homeowner's exemption | $236,724 Land $24,000 Building $212,724 | $591,810 Land $60,000 Building $531,810 |
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 3865 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 3865 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 80% of the US · lower than 94% of Georgia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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