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Single Family ResidenceResidential
$709,419$183 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $385,167 on May 7, 2018

1995 ARBOR RIDGE LN

CUMMING, GA 30040
4
Beds
4 / 1
Baths
3,875 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.27 ac
Lot SizeThe size of the land the home sits on, from county records.
2018
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$709K
$687K low$732K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$385,167 · May 7, 2018
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$256,619
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$205,295
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.59%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$332,800
CENTERSTATE BK NA · recorded May 22, 2020
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$120,000
GEORGIAS OWN CREDIT UNION

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,901 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$281,416 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$56,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$225,416
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$282,504
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$703,540

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.48
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
85
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
41
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyForsyth
Lot (acres)The size of the land the home sits on, from county records.0.27
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 12 ft²Porch · 286 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Forsyth Central High SchoolA-
High · Grades 9–12 · 2.2 mi
M
Otwell Middle SchoolC+
Middle · Grades 6–8 · 2.3 mi
E
Cumming Elementary SchoolA
Elementary · Grades KG–5 · 2.4 mi

District: Forsyth County School District

Neighborhood · ZIP 30040These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.60

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.35%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.91,376
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,545 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$126,354
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$143,389
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.56 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1995 Arbor Ridge Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 67% of homes in Cumming 30040
  • Costs less per square foot than 95% of homes in Forsyth County
  • Bigger than 90% of homes in Cumming 30040
  • Has a smaller lot than 65% of homes in Forsyth County
  • Newer than 88% of homes in Cumming 30040

What homes are worth in Cumming 30040

Each bar is how many homes fall in that price range. The marker is this home.

This home
$306K$1.3M

This home is worth more than 67% of homes in Cumming 30040.

How it measures up in Cumming 30040

The dot is this home. The mark in the middle is the typical home in Cumming 30040.

Estimated value$709,419
CheaperTypical $601,586Pricier

Pricier than 67% of homes nearby

Price per ft²$183
CheaperTypical $237Pricier

Pricier than 6% of homes nearby

Living area3,875 ft²
SmallerTypical 2,579 ft²Bigger

Bigger than 90% of homes nearby

Lot size0.27 ac
SmallerTypical 0.31 acBigger

Bigger than 43% of homes nearby

Year built2018
OlderTypical 2005Newer

Newer than 88% of homes nearby

How 1995 Arbor Ridge Ln ranks against every home in each area.
MeasureThis homeCumming 30040Forsyth County
Estimated valuepricier than$709,41967% of homes64% of homes
Price per ft²pricier than$1836% of homes5% of homes
Living areabigger than3,875 ft²90% of homes90% of homes
Lot sizebigger than0.27 ac43% of homes35% of homes
Year builtnewer than201888% of homes88% of homes

About 1995 Arbor Ridge Ln

How much is 1995 Arbor Ridge Ln, Cumming, GA worth?

The TopHap Estimate for 1995 Arbor Ridge Ln, Cumming, GA is $709,419 as of Jul 14, 2026. The likely range is $686,615 to $732,223. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1995 Arbor Ridge Ln, Cumming, GA last sell?

1995 Arbor Ridge Ln, Cumming, GA last sold on May 7, 2018 for $385,167, according to the county's recorded deed.

How big is 1995 Arbor Ridge Ln, Cumming, GA?

1995 Arbor Ridge Ln, Cumming, GA has 4 bedrooms, 4 bathrooms, 3,875 square feet of living space and a 0.27-acre lot.

When was 1995 Arbor Ridge Ln, Cumming, GA built?

1995 Arbor Ridge Ln, Cumming, GA was built in 2018, making it 8 years old. The building has 2 stories.

What schools serve 1995 Arbor Ridge Ln, Cumming, GA?

1995 Arbor Ridge Ln, Cumming, GA is assigned to Forsyth Central High School (high), rated A-; Otwell Middle School (middle), rated C+; Cumming Elementary School (elementary), rated A. All sit in Forsyth County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1995 Arbor Ridge Ln, Cumming, GA compare to other homes in Cumming 30040?

Among the 29,109 homes in Cumming 30040, it is worth more than 67% of them ($709,419 against a typical $601,586), its price per square foot is higher than 6% of them ($183 against a typical $237), it is bigger than 90% of them (3,875 ft² against a typical 2,579 ft²), its lot is bigger than 43% of them (0.27 ac against a typical 0.31 ac) and it is newer than 88% of them (2018 against a typical 2005). Measured against all of Forsyth County, it is worth more than 64% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1995 Arbor Ridge Ln, Cumming, GA?

The 2025 property tax bill for 1995 Arbor Ridge Ln, Cumming, GA was $6,901. The county assessed it at $281,416.

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Assigned schools

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