Active$865,000
6 bd5 ba5,276 SFSingle-family home
4920 Pond Ridge Lane
Cumming, GA 30041 · Chattahoochee River Club · 67 days listed
FMLS #7822761 · Listing Provided By Keller Williams Realty Atlanta Partners · 470-253-4064
Active55 days listed
5430 Settingdown Road, Cumming, GA 30041
- 4bd
- 4ba
- 3,976SF
- 1.7ac lot
FMLS #7830418 · Listing Provided By Hill Wood Realty, LLC. · 770-822-2499 · Listing agent Cindy Girardeau
About this home
Welcome to the Brentwood 2 plan by Tipton Homes. Offering 4 bedrooms and 3.5 baths on an expansive 1.702-acre lot with 3-car garage. This stunning open-concept, thoughtfully curated design welcomes you with dual front doors, 10’ ceilings on the main level, and a gourmet kitchen that flows seamlessly into the keeping room and family room, complete with a dedicated breakfast area—ideal for everyday living and entertaining. A separate dining room with a butler’s pantry and a private study enhances the main level layout. The generous primary suite on the main level features a spa-inspired bath with a frameless glass shower, soaking tub, quartz vanity, and an impressive walk-in closet. Upstairs, you’ll find three additional spacious bedrooms and baths, plus a finished media room for extra entertainment space. Enjoy outdoor living on the large, covered porch with a fireplace overlooking the tranquil backyard. Spacious 1.70-acre lot with no HOA. Conveniently located with easy access to Hwy 400, shopping, dining, and entertainment.
How this list price compares in Cumming
- List price is 33% above the Cumming median list price of $649,000 (1,279 homes).
- Compared with 1,106 single-family homes in Cumming: 26% above the median of $685,650.
- List price per square foot is 2% below the Cumming median of $222/SF.
- All 1,279 homes for sale in Cumming, GA.
- 1,623 homes for sale in Forsyth County.
Figures are list prices from current FMLS IDX inventory (Active, Active Under Contract and Pending), not sales prices or appraisals.
Home facts
- Property type
- Single-family home
- Status
- Active
- Bedrooms
- 4
- Full baths
- 3
- Half baths
- 1
- Living area
- 3,976 SF
- Lot size
- 1.7 acres
- Year built
- 2026
- Levels
- Two
- Main-level bedrooms
- 1
- Garage spaces
- 3
- Parking
- Attached, Garage, Garage Door Opener, Level Driveway
- Style
- Craftsman
- Construction
- Brick, HardiPlank Type
- Roof
- Composition
- Flooring
- Carpet, Laminate, Tile
- Heating
- Forced Air, Natural Gas, Zoned
- Cooling
- Central Air, Zoned
- Fireplaces
- 2
- Appliances
- Dishwasher, Disposal, Double Oven, Gas Range, Gas Water Heater, Microwave, Range Hood
- Lot
- Back Yard, Front Yard, Landscaped, Level, Wooded
- HOA
- No
- Annual tax
- $1 (2025)
- County
- Forsyth
Assigned schools
- HighEast Forsyth
- MiddleNorth Forsyth
- ElementaryChestatee
As reported in the listing. Verify with the school district.
Payment estimate
Estimate the monthly payment
Prefilled with the list price of $864,900 and this week's average rate. Change anything to see your number.
Estimated monthly payment
$5,797/mo
- Principal and interest
- $5,347
- Property tax
- $0
- Home insurance
- $125
- Mortgage insurance
- $324
- HOA dues
- $0
- Loan amount
- $778,410
- Cash down
- $86,490
This is an estimate only. Not a lender, not a loan offer and not a rate quote. Rates: Freddie Mac PMMS weekly average for 2026-10-22: 30-yr 7.32%, 15-yr 6.68%. Tax uses the annual tax amount in the listing; insurance assumes $1,500 a year. Conventional adds 0.5% a year mortgage insurance under 20% down; FHA uses 3.5% minimum down, a 1.75% upfront premium financed and 0.55% a year MIP; VA adds a 2.15% funding fee financed under 5% down and no monthly MI. Talk to a licensed lender for a real quote.
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Questions about this home
How do I schedule a showing of this home?
Use the "Ask about this home" form on this page and include the days and times that work for you. Jeff Crowe will follow up to set up a showing.
How do I get more information about this listing?
Send your question through the form on this page. Listing details come from FMLS and are provided by Hill Wood Realty, LLC., so confirm them before making an offer.
Is this home still available?
This page shows the status reported in FMLS (Active) as of the last update. Status can change quickly, so ask through the form to confirm before you tour.
How is the monthly payment estimate calculated?
It uses the list price, an average mortgage rate, the tax amount in the listing (or an estimated tax rate when none is given), estimated insurance and any HOA dues in the listing. It is an estimate only, not a loan offer. Talk to a licensed lender for a real quote.
Where can I see similar homes for sale in Cumming?
See the similar homes section on this page, or browse all homes for sale in Cumming, GA.
Beyond homes
Also exploring Georgia investment real estate?
Jeff Crowe is a local, full-service agent with CENTURY 21 The Avenues who also works with buyers and sellers of apartment buildings, churches, commercial property and land across Georgia. The pages below are other property types and investor research, separate from this home listing.
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Investor research and tools
- Atlanta apartment cap ratesMedian screening cap rates on Georgia and Atlanta apartment asks, with sample sizes.
- how to calculate NOI on an apartment buildingHow NOI is built on an apartment building, line by line, and where listing NOI goes wrong.
- debt service coverage ratio for apartmentsDSCR loans for apartment buildings: the 1.25x test, what lenders size on, and Georgia asks.
- gross rent multiplier explainedGross rent multiplier on apartment buildings: the formula, Georgia asking GRMs, and when GRM misleads.
- commercial cap rate calculatorBuild NOI from rents and expenses, then solve for cap rate, price, or value.
- DSCR and cash-on-cash calculatorRent roll, expenses and the loan in one model: NOI, DSCR, cash-on-cash, cash flow, PDF.
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