4345 Cold Spring Ct, Cumming, GA 30041 Property Records

Forsyth County property record for 4345 Cold Spring Ct, Cumming, GA 30041

Property Summary

Property Type	Townhouse
Details	4 bd · 3.5 ba · 2,383 sqft · built 2006
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (Jul 2018)
Tax Bill	$4,410 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`177-000-276`

Property Details

APN / Parcel Number

Primary APN	`177-000-276`
Alternative APNs	`000000086267` `0000173966` `177 276`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,383 sqft Living Area
Basement Area	993 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Townhouse
Exterior Material	Other
Construction Type	Wood
Roof Material	Asphalt
Lot Area	1,307 sqft (0.03 acres)
Garage Area	409 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Deck Area	Deck Area
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000173966
Street Address	4345 COLD SPRING CT
City	CUMMING
State	GA
Zip	30041-5872
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	2-1 727 UN 614 POD F-1 JAMES CREEK
Legal Subdivision	JAMES CREEK
Legal Block	2
Legal Lot Number	614
Jurisdiction	FORSYTH GA
Township / Civil Division	BIG CREEK
Census Block Group	2
Census Block	2011
Census Tract	130607

Owner

4345 Cold Spring Ct, a townhouse, is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4345 COLD SPRING CT, CUMMING, GA 30041-5872
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
Jan 20, 2021	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Oct 2, 2019	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
Jul 24, 2018	Grant Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG
Mar 16, 2017	Grant Deed, Transfer · Conventional with PMI BANK OF KANSAS CITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2018 · Amount on File
Deed Sale	Jul 20, 2018 · Amount on File
Prior Sale	Feb 3, 2017 · Amount on File
Deed Document Number	20187298
Deed Book / Page	8624 / 640
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	4345 COLD SPRING CT, CUMMING, GA 30041-5872
Document Number	0098990139
Instrument Date	Jan 20, 2021
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4345 COLD SPRING CT CUMMING GA 300415872, CUMMING, GA 30041-5872

Mortgage

Document Number	0098990139
Date	Jan 28, 2021
Book Page	009899/000139

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jan 27, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	4345 COLD SPRING CT, CUMMING, GA 30041-5872
Document Number	0090610675
Instrument Date	Oct 2, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4345 COLD SPRING CT CUMMING GA 300415872, CUMMING, GA 30041-5872

Mortgage

Document Number	0090610675
Date	Oct 7, 2019
Book Page	009061/000675

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Oct 6, 2034

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FORSYTH GA
Recording Date	Jul 24, 2018
Property Address	4345 COLD SPRING CT, CUMMING, GA 30041-5872
Document Number	0086240640
Book / Page	008624 / 000640
Instrument Date	Jul 20, 2018
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.00
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	4345 COLD SPRING CT CUMMING GA 300415872, CUMMING, GA 30041-5872

Mortgage

Document Number	86240642
Date	Jul 24, 2018
Book Page	008624/000642

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FORSYTH GA
Recording Date	Mar 16, 2017
Property Address	4345 COLD SPRING CT, CUMMING, GA 30041-5872
Document Number	0081300636
Book / Page	008130 / 000636
Instrument Date	Feb 3, 2017
Instrument	1580718
Transaction Type	Transfer
Record Updated	May 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4345 COLD SPRING CT CUMMING GA 300415872, CUMMING, GA 30041-5872

Mortgage

Document Number	81300638
Date	Mar 16, 2017
Book Page	008130/000638
Instrument	1580719

Lender

Name	BANK OF KANSAS CITY
Type	Bank
Address	TULSA, OK 74153

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Mar 15, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 4345 Cold Spring Ct was $4,410 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	$4,410.00	$221,148 Land $66,000 Building $155,148	$552,870 Land $165,000 Building $387,870
2023	$3,719.00 (-7.42%) Homeowner's exemption	$195,416 (+50.55%) Land $56,000 Building $139,416	$488,540 (+50.55%) Land $140,000 Building $348,540
2022	$4,017.00 Homeowner's exemption	$129,804 Land $24,000 Building $105,804	$324,510 Land $60,000 Building $264,510

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 4345 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 4345 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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