3645 Coldwater Court, Cumming, GA 30041
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 13, 2026, 3645 Coldwater Court in Chattahoochee River Club, Cumming is listed at $850,000 (3,118 sq ft, about $273 per sq ft). That sits within a few percent of Chattahoochee River Club's median closed sale of $850,000 over the last 12 months (15 recorded sales). Per square foot it is above the community's recent $204/sq ft by about 34%. It has been 44 days on market. Listing facts: built in 2024. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2024 · 2 yrs
- 3,118 sq ft of living area
- Garage
- 44 days on market
About this home
New Listing! Priced more than $100K below 2026 appraised value! Your chance to have instant equity of over $100,000 in a newer/beautiful, custom build home.
Nestled within the prestigious Chattahoochee River Club, this amazing home offers a great opportunity to own a less than 2 year old home on a quiet cul-de-sac .65 acre lot. This amazing UPGRADED home offers custom details throughout - where no detail has been overlooked. The wide-open main floor includes an office (or could be a bedroom), extra large/upgraded kitchen, dining area, screened in porch, and grilling area.
An entertainer's dream, the chef kitchen includes a large island, quartz countertops, upgraded stainless steel appliances and stunning backsplash. Gorgeous hardwood floors are throughout the house (except the upstairs bedrooms) where you will find plush - upgraded carpet. Floor to ceiling stone fireplace in the family room, along with a cozy fireplace on the screened in back porch provide the ultimate serene retreat.
Upstairs includes 3 large bedrooms (including the luxurious primary suite), 2 full baths (all quartz), and a multi-purpose flex room. The upgraded primary bath and closet (with added custom closet system) offer the best in luxury and refinement. The expansive - completely fenced in backyard has plenty of room to enjoy - including room for a pool.
The unfinished basement is ready for someone to make it their own - offering endless possibilities! Upgraded epoxy floors turn your garage into an extension of the house. The whole house is wired for surround sound and offers 2 back decks (one off the main and the other off the basement).
This amazing community borders the Chattahoochee National Forest and the Chattahoochee River - offering miles of hiking/walking trails for residents. Residents also get to enjoy tennis and pickle ball courts, playground, equestrian trails, two swimming pools, a clubhouse, private fitness center, basketball, and baseball field. Truly a luxury property nestled in nature, but surrounded with convenience.
Walking distance to award winning Haw Creek elementary and Lakeside Middle Schools. Beautiful sunrise in the front and sunset in the back - the house is facing East.
All 50 photos
Description provided by Century 21 Results and reproduced from the MLS; not independently verified.
Provided via the Georgia MLS (GAMLS) Internet Data Exchange · Source: Georgia MLS (GAMLS) · © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $4,708/mo 83%
- Taxes $744/mo 13%
- Insurance $235/mo 4%
$5,687/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Forsyth County, GA: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Chattahoochee River Club market
How this home is priced against recent nearby sales, and where Chattahoochee River Club has been over 25 years. Momentum Research analysis of Georgia MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Chattahoochee River Club
Each dot is a closed sale since 2023 (49 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Georgia MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2024–2026. This home lists at $273/sq ft.
Median sale price by year
12-month median closed price, 2024–2026.
This home’s history
- 2024BuiltPer public record
- About Aug 2026Listed (per MLS)MLS reports 44 cumulative days on market as of October 13, 2026
- Sep 2, 2026First seen on movewithmomentum.comObserved at $925,000
- Sep 17, 2026Price cut$898,500 (-$26,500, -2.9%)
- Oct 1, 2026Price cut$850,000 (-$48,500, -5.4%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $850,000 ($204/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $850,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 25% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 44 days on market vs. a 40-day community median
- 12 active listings competing
- ≈10.4 months of supply
- 14 closed here in the last 12 months
For reference, this home is listed at $850,000 ($273/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,118 sq ft × $169–$211/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 13, 2026.
Momentum Property Score
35/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 10.4 months of supply in the surrounding market and 44 days on market for this home, against a 40-day area median.Days on market:this home 44Area median: 40 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data © 2026 Georgia MLS (GAMLS). Information is deemed reliable but is not guaranteed. As of September 20, 2026.
🟡 Asking $273 per square foot, about 34% above the community’s $204 median. Chattahoochee River Club’s 12-month median sold price per square foot is $204. Median sold price per square foot is up 3.1% year over year. Confidence: Medium · 15 closed sales in 12 monthsMLS facts: Georgia MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Chattahoochee River Club sales closed near 97.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Georgia MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 13 active listings in Chattahoochee River Club, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 3645 Coldwater Court?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by Century 21 Results · MLS # 10831943
Request a showing
Similar homes for sale near Chattahoochee River Club
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Cumming
- 6315 Reives Road, Cumming · $775,000 · 4 bd / 3.0 ba · listed October 13, 2026 (courtesy of Chapman Hall Realtors Professionals)
- 5320 Brookglen Court, Cumming · $965,000 · 6 bd / 4.5 ba · listed October 12, 2026 (courtesy of Keller Williams Community Partners)
- 4335 Darian Court, Cumming · $849,900 · 5 bd / 4.5 ba · listed October 12, 2026 (courtesy of Century 21 Results)
- 7435 Ivy Grove Street, Cumming · $500,000 · 4 bd / 3.0 ba · listed October 11, 2026 (courtesy of Atlanta Communities)
- 3410 Tate Lane, Cumming · $1,399,990 · 4 bd / 4.5 ba · listed October 11, 2026 (courtesy of PBG Built Realty)
- 2255 Williams Lane, Cumming · $318,000 · 3 bd / 2.0 ba · listed October 11, 2026 (courtesy of Westfall Real Estate Group)
Recently off market in Chattahoochee River Club
- 4930 N River Drive · last listed $775,000 · 2026-10-06
- 3725 River Club Drive · last listed $895,000 · 2026-10-03
- 3515 Woodbury Creek Drive · last listed $700,000 · 2026-09-24
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on Chattahoochee River Club
Go deeper on Chattahoochee River Club
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Forsyth County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
View →Buyer research checklist
Items worth confirming for 3645 Coldwater Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Forsyth County; age of roof and any prior claims affect the premium.
- Listed living area is 3,118 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $8,925/yr) assumes reassessment at the list price; confirm exemptions with the county tax assessor.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Georgia MLS, checked against the MLS hourly (last: October 13, 2026) |
| Comparable sales | Georgia MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Georgia MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 3645 Coldwater Court and when was it built?
Per the listing record, 3645 Coldwater Court was built in 2024 and has 3,118 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3645 Coldwater Court in?
3645 Coldwater Court is in Chattahoochee River Club in Cumming, Forsyth County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
How are property taxes on 3645 Coldwater Court estimated?
The estimate on this page (about $8,925 per year) assumes the county reassesses at the list price. Georgia counties reassess after a sale and exemptions such as homestead must be applied for by the new owner, so the seller's current bill is not a guide. Confirm with the county tax assessor.
Is 3645 Coldwater Court in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 3645 Coldwater Court in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Georgia MLS (GAMLS) Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Georgia MLS (GAMLS). © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.