7095 Derby Ct, Cumming, GA 30040 Property Records

Forsyth County property record for 7095 Derby Ct, Cumming, GA 30040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,380 sqft · built 1988
Lot Size	1.28 acres (55,757 sqft)
Owner	2 Individual Names on File
Last Sale	$254,900 (May 2006)
Tax Bill	$4,337 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-000-025`

Property Details

APN / Parcel Number

Primary APN	`038-000-025`
Alternative APNs	`000000031670` `0000249711` `038 025`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,380 sqft Living Area
1st Floor Area	1,250 sqft
Utility Area	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	55,757 sqft
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	816 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	0000249711
Street Address	7095 DERBY CT
City	CUMMING
State	GA
Zip	30040-6257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1R
Legal Description	2-1 392 LT20 BELMONT DWNS
Legal Subdivision	BELMONT DOWNS
Legal Block	1
Legal Lot Number	20
Jurisdiction	FORSYTH GA
Township / Civil Division	CUMMING
Census Block Group	1
Census Block	1004
Census Tract	130304

Owner

7095 Derby Ct is owned and occupied by two individuals who bought it in May 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	7095 DERBY CT, CUMMING, GA 30040-6257
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2006 · Amount on File
Deed Sale	May 16, 2006 · Amount on File
Prior Sale	Mar 4, 2002 · Amount on File
Deed Book / Page	4276 / 433
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH GA
Property Address	7095 DERBY CT, CUMMING, GA 30040-6257
Document Number	0097220589
Instrument Date	Nov 5, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7095 DERBY CT CUMMING GA 300406257, CUMMING, GA 30040-6257

Mortgage

Document Number	0097220589
Date	Nov 12, 2020
Book Page	009722/000589

Lender

Name	CBC NAT'L BK MTG
Address	ALPHARETTA, GA 30022

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 7095 Derby Ct was $4,337 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	$4,337.00	$226,824 Land $69,888 Building $156,936	$567,060 Land $174,720 Building $392,340
2023	$3,540.00 (-6.5%) Homeowner's exemption	$193,128 (+29.66%) Land $67,584 Building $125,544	$482,820 (+29.66%) Land $168,960 Building $313,860
2022	$3,786.00 Homeowner's exemption	$148,952 Land $51,200 Building $97,752	$372,380 Land $128,000 Building $244,380

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

Flood

FEMA maps place 7095 Derby Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.

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	3 in force
Nearby Flood Claims	2 (2016–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 2018 · rainfall accumulation

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 7095 Derby Ct is low, with a 0.06% 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 82% 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 91 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

Nearby Properties on Derby Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures