6345 Elmo Rd, Cumming, GA 30028 Property Records

Forsyth County property record for 6345 Elmo Rd, Cumming, GA 30028

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 2.5 ba · 1,806 sqft · built 1996
Lot Size	2.88 acres (125,453 sqft)
Owner	Individual Name on Record
Tax Bill	$3,503 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`093-000-042`

Property Details

APN / Parcel Number

Primary APN	`093-000-042`
Alternative APNs	`000000044530` `0000241941` `093 042`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,806 sqft Gross Area
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	125,453 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	252 sqft
Deck Area	Deck Area
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000241941
Street Address	6345 ELMO RD
City	CUMMING
State	GA
Zip	30028-3192
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	A1
Legal Description	3-1 236-237
Legal Subdivision	ETOWAH RURAL
Legal Block	2
Jurisdiction	FORSYTH GA
Township / Civil Division	SILVER CITY
Census Block Group	2
Census Block	2011
Census Tract	130201

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	Individual Name on Record
Mailing Address	6345 ELMO RD, CUMMING, GA 30028-3192
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE
Oct 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage REGIONS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	6345 ELMO RD, CUMMING, GA 30028-3192
Transaction Type	Mortgage
Record Updated	Apr 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6345 ELMO RD, CUMMING, GA 30028-3192

Mortgage

Document Number	0099750000000676
Date	Mar 2, 2021
Book Page	0000009975/0000000676
Instrument	018351690017

Lender

Name	UNITED WHOLESALE

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	6345 ELMO RD, CUMMING, GA 30028-3192
Document Number	0087190475
Instrument Date	Oct 25, 2018
Transaction Type	Mortgage
Record Updated	Nov 14, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6345 ELMO RD CUMMING GA 300283192, CUMMING, GA 30028-3192

Mortgage

Document Number	0087190475
Date	Nov 2, 2018
Book Page	008719/000475

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2038

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	$3,503.00 (+18.22%)	$196,620 (+18.02%) Land $86,860 Building $109,760	$491,550 (+18.02%) Land $217,150 Building $274,400
2023	$2,963.00 (-9.83%) Homeowner's exemption	$166,596 (+42.21%) Land $70,156 Building $96,440	$416,490 (+42.21%) Land $175,390 Building $241,100
2022	$3,286.00 Homeowner's exemption	$117,148 Land $47,588 Building $69,560	$292,870 Land $118,970 Building $173,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2014–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2020 · 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

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

Wildfire Risk	Moderate above 48% of the US · above 58% 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 90 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
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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