4715 Down Setting Rd, Cumming, GA 30028 Property Records

Forsyth County property record for 4715 Down Setting Rd, Cumming, GA 30028

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,297 sqft · built 2020
Lot Size	12 acres (522,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$529,900 (Sep 2020)
Tax Bill	$6,794 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168-000-340`

Property Details

APN / Parcel Number

Primary APN	`168-000-340`
Alternative APNs	`0000277208` `168 340`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,297 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Concrete
Lot Area	522,720 sqft
Garage Area	920 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000277208
Street Address	4715 DOWN SETTING RD
City	CUMMING
State	GA
Zip	30028-5652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES2
Legal Description	3-1 401 LT2 PH1 FIELDS BRIDGE
Legal Subdivision	FIELDS BRIDGE
Legal Phase	1
Legal Block	2
Legal Lot Number	2
Jurisdiction	FORSYTH GA
Township / Civil Division	SILVER CITY
Census Block Group	2
Census Block	2005
Census Tract	130202

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4715 DOWN SETTING RD, CUMMING, GA 30028-5652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Sep 16, 2020	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE AFFINITY LLC
Jan 29, 2020	Quit Claim Deed, Construction Loan · Construction Mortgage AMERICAN CMRC BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2020 · Amount on Record
Deed Sale	Sep 15, 2020 · Amount on Record
Deed Document Number	20209505
Deed Book / Page	9609 / 131
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	4715 DOWN SETTING RD, CUMMING, GA 30028-5652
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4715 DOWN SETTING RD, CUMMING, GA 30028-5652

Mortgage

Document Number	0111770000000673
Date	Feb 1, 2024
Book Page	0000011177/0000000673

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FORSYTH GA
Recording Date	Sep 16, 2020
Property Address	4715 DOWN SETTING RD, CUMMING, GA 30028-5652
Document Number	0096090131
Book / Page	009609 / 000131
Instrument Date	Sep 15, 2020
Transaction Type	Transfer
Record Updated	Jan 7, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
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	8915 CHAMPION CT BALL GROUND GA 301073514, BALL GROUND, GA 30107-3514

Mortgage

Document Number	96090132
Date	Sep 16, 2020
Book Page	009609/000132

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

January 2020: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	FORSYTH GA
Recording Date	Jan 29, 2020
Property Address	4715 DOWN SETTING RD, CUMMING, GA 30028-5652
Document Number	0091980203
Book / Page	009198 / 000203
Instrument Date	Jan 28, 2020
Transaction Type	Construction Loan
Record Updated	Feb 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4715 DOWN SETTING RD CUMMING GA 30028, CUMMING, GA 30028

Mortgage

Document Number	92140058
Date	Jan 29, 2020
Book Page	009214/000058

Lender

Name	AMERICAN CMRC BK NA
Address	BREMEN, GA 30110

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 28, 2021

Interest

Rate	12.5%

Tax Assessment & Valuation

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	$6,794.00 (+17.77%)	$314,076 (+15.07%) Land $54,000 Building $260,076	$785,190 (+15.07%) Land $135,000 Building $650,190
2023	$5,769.00 (-4.94%)	$272,948 (+32.08%) Land $40,000 Building $232,948	$682,370 (+32.08%) Land $100,000 Building $582,370
2022	$6,069.00	$206,656 Land $36,000 Building $170,656	$516,640 Land $90,000 Building $426,640

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

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

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

Wildfire Risk	Moderate above 51% of the US · above 67% of Georgia
Wildfire Likelihood	0.1% 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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