Forsyth County property record for 3870 James Trail Dr, Cumming, GA 30041
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,990 sqft · built 2014 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $357,000 (Oct 2014) |
| Tax Bill | $5,936 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 156-000-512 |
| Primary APN | 156-000-512 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,990 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 88 sqft |
| Patio Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 0000244035 |
|---|---|
| Street Address | 3870 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 144 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 | 144 |
| Jurisdiction | FORSYTH GA |
| Township / Civil Division | BIG CREEK |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 130607 |
3870 James Trail Dr is owned and occupied by two individuals who bought it in October 2014.
Source: Forsyth County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3870 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 |
|---|---|
| Aug 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE |
| Aug 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2014 · Amount on File |
| Deed Sale | Oct 20, 2014 · Amount on File |
| Prior Sale | Dec 13, 2012 · Amount on File |
| Deed Document Number | 20149721 |
| Deed Book / Page | 7171 / 373 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 3870 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3870 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| Document Number | 0103000000000220 |
|---|---|
| Date | Aug 10, 2021 |
| Book Page | 0000010300/0000000220 |
| Name | AMERISAVE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 3870 JAMES TRAIL DR, CUMMING, GA 30041-5707 |
| Document Number | 0097360708 |
| Instrument Date | Aug 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3870 JAMES TRAIL DR CUMMING GA 300415707, CUMMING, GA 30041-5707 |
| Document Number | 0097360708 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 009736/000708 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 16, 2045 |
The 2025 property tax bill for 3870 James Trail Dr was $5,936 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 | $5,936.00 | $300,956 Land $90,000 Building $210,956 | $752,390 Land $225,000 Building $527,390 |
| 2023 | $4,569.00 (+0.53%) Homeowner's exemption | $234,468 (+63.41%) Land $39,000 Building $195,468 | $586,170 (+63.41%) Land $97,500 Building $488,670 |
| 2022 | $4,545.00 Homeowner's exemption | $143,484 Land $15,600 Building $127,884 | $358,710 Land $39,000 Building $319,710 |
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 3870 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 3870 James Trail Dr 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.
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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