4645 Cold Spring Ct, Cumming, GA 30041 Property Records

Forsyth County property record for 4645 Cold Spring Ct, Cumming, GA 30041

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 2,390 sqft · built 2013
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Aug 2021)
Tax Bill	$5,222 (2025)
Deeds & Mortgages	Aug 2021 Sale Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`177-000-299`

Property Details

APN / Parcel Number

Primary APN	`177-000-299`
Alternative APNs	`0000149445` `177 299`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,390 sqft Living Area
Basement Area	998 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Townhouse
Exterior Material	Other
Construction Type	Wood
Roof Material	Asphalt
Lot Area	1,307 sqft (0.03 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	30 sqft
Deck Area	Deck Area
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000149445
Street Address	4645 COLD SPRING CT
City	CUMMING
State	GA
Zip	30041-5863
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	2-1 727 UN 637 POD F-1 JAMES CREEK
Legal Subdivision	JAMES CREEK
Legal Block	2
Legal Lot Number	637
Jurisdiction	FORSYTH GA
Township / Civil Division	BIG CREEK
Census Block Group	2
Census Block	2011
Census Tract	130607

Owner

4645 Cold Spring Ct, a townhouse, is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4645 COLD SPRING CT, CUMMING, GA 30041-5863
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
Aug 6, 2021	Warranty Deed, Transfer
Aug 6, 2021	Warranty Deed, Transfer · Conventional Mortgage THE LOAN STORE
Sep 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage DELTA COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2021 · Amount on File
Deed Sale	Aug 6, 2021 · Amount on File
Prior Sale	Aug 6, 2021
Deed Document Number	20219969
Deed Book / Page	10323 / 626
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH GA
Recording Date	Aug 6, 2021
Property Address	4645 COLD SPRING CT, CUMMING, GA 30041-5863
Document Number	0103230645
Book / Page	10323 / 645
Instrument Date	Aug 6, 2021
Instrument	2021-009945
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4645 COLD SPRING CT, CUMMING, GA 30041-5863

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH GA
Recording Date	Aug 6, 2021
Property Address	4645 COLD SPRING CT, CUMMING, GA 30041-5863
Document Number	0103230626
Book / Page	10323 / 626
Instrument Date	Aug 6, 2021
Instrument	2021-009969
Transaction Type	Transfer
Record Updated	Sep 14, 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	4645 COLD SPRING CT, CUMMING, GA 30041-5863

Mortgage

Document Number	0103230000000628
Date	Aug 23, 2021
Book Page	0000010323/0000000628

Lender

Name	THE LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	4645 COLD SPRING CT, CUMMING, GA 30041-5863
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083270490
Date	Sep 15, 2017
Book Page	8327/490
Instrument	16091450016

Lender

Name	DELTA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 4645 Cold Spring Ct was $5,222, up 6.3% 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	$5,222.00 (+6.33%)	$212,988 Land $66,000 Building $146,988	$532,470 Land $165,000 Building $367,470
2024	$4,911.00 (+6.02%)
2023	$4,632.00 (+8.78%)	$188,188 (+41.84%) Land $56,000 Building $132,188	$470,470 (+41.84%) Land $140,000 Building $330,470
2022	$4,258.00	$132,680 Land $24,000 Building $108,680	$331,700 Land $60,000 Building $271,700

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 4645 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 4645 Cold Spring Ct is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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