Forsyth County property record for 6420 Talking Tree Ct, Cumming, GA 30028
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,575 sqft · built 2005 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | Company Name on File |
| Last Sale | $359,900 (Nov 2005) |
| Tax Bill | $5,398 (2025) |
| Deeds & Mortgages | May 2017 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 165-000-145 |
| Primary APN | 165-000-145 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,575 sqft Living Area |
| Basement Area | 1,413 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 39,204 sqft (0.9 acres) |
| View / Lot | Water |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 480 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 366 sqft |
| Deck Area | Deck Area |
| Patio Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 0000250844 |
|---|---|
| Street Address | 6420 TALKING TREE CT |
| City | CUMMING |
| State | GA |
| Zip | 30028-5758 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2R |
| Legal Description | 3-1 173 LT12 MANOR@HARMON LAKE |
| Legal Subdivision | MANOR AT HARMON LAKE |
| Legal Block | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | FORSYTH GA |
| Township / Civil Division | SILVER CITY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 130203 |
Source: Forsyth County records · APN 165-000-145
Assessment roll updated May 27, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 6420 TALKING TREE CT, CUMMING, GA 30028-5758 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| May 08, 2017 | Deed of Trust, Mortgage · FHA Mortgage LENOX FINANCIAL MORTGAGE |
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BRIGHTPATH MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 01, 2005 · Amount on Record |
| Deed Sale | Nov 01, 2005 · Amount on Record |
| Deed Book / Page | 4029 / 607 |
| Last Transfer Date | Sep 20, 2022 |
| Transfer Doc | 1086000037 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 6420 TALKING TREE CT, CUMMING, GA 30028-5758 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0081830497 |
|---|---|
| Date | May 08, 2017 |
| Book Page | 8183/497 |
| Name | LENOX FINANCIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FORSYTH GA |
| Property Address | 6420 TALKING TREE CT, CUMMING, GA 30028-5758 |
| Document Number | 0094430590 |
| Instrument Date | Jun 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 6420 TALKING TREE CT CUMMING GA 300285758, CUMMING, GA 30028-5758 |
| Document Number | 0094430590 |
|---|---|
| Date | Jul 06, 2020 |
| Book Page | 009443/000590 |
| Name | BRIGHTPATH MTG |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30338 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 05, 2035 |
Source: Forsyth County records · Assessment roll updated May 27, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Forsyth County |
| Unified School District | Forsyth County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,398.00 (-1.08%) Homeowner's exemption Additional exemption filed | $265,472 (+13.05%) Land $52,000 Building $213,472 | $663,680 (+13.05%) Land $130,000 Building $533,680 |
| 2024 | $5,457.00 (+19.02%) | ||
| 2023 | $4,585.00 (-0.99%) Homeowner's exemption | $234,828 (+50.66%) Land $36,000 Building $198,828 | $587,070 (+50.66%) Land $90,000 Building $497,070 |
| 2022 | $4,631.00 Homeowner's exemption | $155,868 Land $20,000 Building $135,868 | $389,670 Land $50,000 Building $339,670 |
Source: FEMA National Flood Hazard Layer as of September 3, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 45% of the US · above 45% of Georgia |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 81 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FORSYTH CO. WATER & SEWER serves 161,200 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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