4855 Silver Leaf Dr, Cumming, GA 30040 Property Records

Forsyth County property record for 4855 Silver Leaf Dr, Cumming, GA 30040

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,152 sqft · built 2006
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$344,000 (Apr 2020)
Tax Bill	$5,211 (2025)
Deeds & Mortgages	May 2022 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`081-000-405`

Property Details

APN / Parcel Number

Primary APN	`081-000-405`
Alternative APNs	`000000037219` `0000184971` `081 405`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,152 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	393 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000184971
Street Address	4855 SILVER LEAF DR
City	CUMMING
State	GA
Zip	30040-9706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR1
Legal Description	2-1 124 LT16 PH 1A SILVER LEAF
Legal Subdivision	SILVER LEAF
Legal Phase	1
Legal Block	3
Legal Lot Number	16
Jurisdiction	FORSYTH GA
Township / Civil Division	CUMMING
Census Block Group	3
Census Block	3003
Census Tract	130410

Owner

4855 Silver Leaf Dr is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4855 SILVER LEAF DR, CUMMING, GA 30040-9706
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
May 19, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL
Apr 9, 2020	Grant Deed, Transfer · FHA Mortgage AMERIS BK
Nov 5, 2019	Grant Deed, Construction Loan · Line of Credit CHRISTIANA TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2020 · Amount on File
Deed Sale	Apr 8, 2020 · Amount on File
Prior Sale	Oct 31, 2019 · Amount on File
Deed Document Number	20203163
Deed Book / Page	9301 / 72
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	4855 SILVER LEAF DR, CUMMING, GA 30040-9706
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4855 SILVER LEAF DR, CUMMING, GA 30040-9706

Mortgage

Document Number	0107150000000072
Date	May 19, 2022
Book Page	0000010715/0000000072

Lender

Name	FIGURE LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	4855 SILVER LEAF DR, CUMMING, GA 30040-9706
Transaction Type	Mortgage
Record Updated	Dec 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4855 SILVER LEAF DR, CUMMING, GA 30040-9706

Mortgage

Document Number	0104740000000450
Date	Nov 9, 2021
Book Page	0000010474/0000000450

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2041

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FORSYTH GA
Recording Date	Apr 9, 2020
Property Address	4855 SILVER LEAF DR, CUMMING, GA 30040-9706
Document Number	0093010072
Book / Page	009301 / 000072
Instrument Date	Apr 8, 2020
Transaction Type	Transfer
Record Updated	Jun 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$344.00
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	4855 SILVER LEAF DR CUMMING GA 300409706, CUMMING, GA 30040-9706

Mortgage

Document Number	93010075
Date	Apr 9, 2020
Book Page	009301/000075

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

November 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	FORSYTH GA
Recording Date	Nov 5, 2019
Property Address	4855 SILVER LEAF DR, CUMMING, GA 30040-9706
Document Number	0090970067
Book / Page	009097 / 000067
Instrument Date	Oct 31, 2019
Transaction Type	Construction Loan
Record Updated	Nov 21, 2019
Title Company	OS NATIONAL LLC, OS NAT'L LLC

Transaction

Amount	Amount on Record
Tax	$329.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4855 SILVER LEAF DR CUMMING GA 300409706, CUMMING, GA 30040-9706
Investor	Possibly a Property Investor

Mortgage

Document Number	90970070
Date	Nov 5, 2019
Book Page	009097/000070

Lender

Name	CHRISTIANA TR
Address	500 DELAWARE AVE # 11TH, WILMINGTON, DE 19801-1490

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Nov 4, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4855 Silver Leaf Dr was $5,211 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	$5,211.00	$257,560 Land $68,000 Building $189,560	$643,900 Land $170,000 Building $473,900
2023	$4,477.00 (+1.7%)	$227,820 (+61.57%) Land $60,000 Building $167,820	$569,550 (+61.57%) Land $150,000 Building $419,550
2022	$4,402.00	$141,004 Land $32,000 Building $109,004	$352,510 Land $80,000 Building $272,510

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 4855 Silver Leaf Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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	2 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2015 · other causes

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 4855 Silver Leaf Dr is low, with a 0.07% 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	0.07% 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	CUMMING serves 58,661 people · EPA ID GA1170000
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2021–2023) 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Point Broadband.

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