4285 Cold Spring Ct, Cumming, GA 30041 Property Records

Forsyth County property record for 4285 Cold Spring Ct, Cumming, GA 30041

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,948 sqft · built 2006
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$414,000 (Dec 2021)
Tax Bill	$4,678 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`177-000-270`

Property Details

APN / Parcel Number

Primary APN	`177-000-270`
Alternative APNs	`0000178231` `177 270`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,948 sqft Living Area
Basement Area	836 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	1,307 sqft (0.03 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	30 sqft
Deck Area	Deck Area
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000178231
Street Address	4285 COLD SPRING CT
City	CUMMING
State	GA
Zip	30041-5865
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	2-1 728 UN 608 POD F-1 JAMES CREEK
Legal Subdivision	JAMES CREEK
Legal Block	2
Jurisdiction	FORSYTH GA
Township / Civil Division	BIG CREEK
Census Block Group	2
Census Block	2011
Census Tract	130607

Owner

4285 Cold Spring Ct, a townhouse, is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4285 COLD SPRING CT, CUMMING, GA 30041-5865
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
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING
Dec 1, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE
Sep 24, 2021	Warranty Deed, Transfer
Mar 25, 2020	Deed of Trust, Mortgage · Conventional with PMI PROVIDENT FNDG
Apr 27, 2018	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2021 · Amount on File
Deed Sale	Dec 1, 2021 · Amount on File
Prior Sale	Sep 24, 2021 · Amount on File
Deed Document Number	202115165
Deed Book / Page	10508 / 747
Prior Transfer Date	Nov 8, 2006
Prior Transfer Doc	0045270010
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	4285 COLD SPRING CT, CUMMING, GA 30041-5865
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4285 COLD SPRING CT, CUMMING, GA 30041-5865

Mortgage

Document Number	0099070000000554
Date	Feb 1, 2021
Book Page	0000009907/0000000554

Lender

Name	PROVIDENT FUNDING

Agreement

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

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH GA
Recording Date	Dec 1, 2021
Property Address	4285 COLD SPRING CT, CUMMING, GA 30041-5865
Document Number	0105080747
Book / Page	10508 / 747
Instrument Date	Dec 1, 2021
Instrument	2021-015165
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4285 COLD SPRING CT, REDMOND, WA 98052
Investor	Possibly a Property Investor

Mortgage

Document Number	0105080000000750
Date	Dec 3, 2021
Book Page	0000010508/0000000750

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jan 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH GA
Recording Date	Sep 24, 2021
Property Address	4285 COLD SPRING CT, CUMMING, GA 30041-5865
Document Number	0104220613
Book / Page	10422 / 613
Instrument Date	Sep 24, 2021
Instrument	2021-012921
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	4285 COLD SPRING CT, CUMMING, GA 30041-5865
Document Number	0092820234
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4285 COLD SPRING CT CUMMING GA 300415865, CUMMING, GA 30041-5865

Mortgage

Document Number	0092820234
Date	Mar 30, 2020
Book Page	009282/000234

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	ATLANTA, GA 30326

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH GA
Recording Date	Apr 27, 2018
Property Address	4285 COLD SPRING CT, CUMMING, GA 30041-5865
Document Number	0085390536
Book / Page	8539 / 536
Instrument Date	Apr 27, 2018
Instrument	2018-003844
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4285 COLD SPRING CT, CUMMING, GA 30041-5865

Mortgage

Document Number	0085390537
Date	May 1, 2018
Book Page	8539/537
Instrument	16431490018

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4285 Cold Spring Ct was $4,678, up 6.8% from the year before.

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	$4,678.00 (+6.8%)	$190,800 Land $66,000 Building $124,800	$477,000 Land $165,000 Building $312,000
2024	$4,380.00 (+4.99%)
2023	$4,172.00 (+7.19%)	$169,512 (+53.47%) Land $56,000 Building $113,512	$423,780 (+53.47%) Land $140,000 Building $283,780
2022	$3,892.00	$110,452 Land $24,000 Building $86,452	$276,130 Land $60,000 Building $216,130

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 4285 Cold Spring 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 4285 Cold Spring 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 63% of the US · lower than 84% 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	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 298 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	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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