4435 Fourth Rail Lane, Cumming, GA 30040
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 29, 2026, 4435 Fourth Rail Lane in Bridgetowne, Cumming is listed at $519,000 (3,420 sq ft, about $152 per sq ft). That is 24% above Bridgetowne's median closed sale of $420,000 over the last 12 months (23 recorded sales). Per square foot it is below the community's recent $182/sq ft by about 16%. It has been 22 days on market. Listing facts: built in 2012, a CDD assessment of about $2,200/yr. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- CDD assessment ~$2,200/yr
- Built 2012 · 14 yrs
- 3,420 sq ft of living area
- Garage
- Listed at $519,000 — recent neighborhood median sale price ~$420,000 (nearby sales; deemed reliable, not an appraisal)
- 22 days on market
- HOA ~$50/mo (estimate; confirm)
Pricing & the Bridgetowne market
How this home is priced against recent nearby sales, and where Bridgetowne 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 Bridgetowne
Each dot is a closed sale since 2023 (63 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 $152/sq ft.
Median sale price by year
12-month median closed price, 2024–2026.
This home’s history
- 2012BuiltPer public record
- Sep 2, 2026First trackedObserved at $525,000 · 22 days on market
- Sep 3, 2026Price cut$519,000 (-$6,000, -1.1%)
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $2,771/mo 76%
- Taxes $454/mo 12%
- Insurance $187/mo 5%
- HOA $50/mo 1%
- CDD $183/mo 5%
$3,645/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
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.
Momentum Property Score
55/100 is solid, mid-pack 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Balanced conditions around this listing. 3.1 months of supply in the surrounding market and 22 days on market for this home, against a 21-day area median.Days on market:this home 22Area median: 21 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 $152 per square foot, about 16% below the community’s $182 median. Bridgetowne’s 12-month median sold price per square foot is $182. Median sold price per square foot is down 0.1% year over year. Confidence: High · 23 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 Bridgetowne sales closed near 95.0% 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 6 active listings in Bridgetowne.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 29, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Move-in ready, large family ready home in Bridgetowne! This beautiful home features a full bedroom and full bath on the main. From there, the open-concept living room flows with solid rose wood flooring into a generously sized kitchen with a breakfast nook, a separate oversized dining room with plenty of space for a 12-person table-perfect for entertaining.
You'll also find a private, window-filled room that makes a beautiful home office, playroom, craft room, or flex space. The kitchen and living areas flow seamlessly to the private wooded backyard( no neighbors in sight) with zero-step access, making everyday living and entertaining easy. Upstairs, a spacious bonus area filled with natural light provides the perfect spot for a gaming area, additional living space, media room, or homework zone.
The oversized primary suite offers a true retreat, the solid rose wood floors continue here complete with a fireplace and coffee and cocktail bar, along with two walk-in closets-a fashionista's dream or the perfect opportunity for a nursery, second office, dressing room, or additional private space. Additional bedrooms offer plenty of room for family, guests, or hobbies. And then there's Bridgetowne!
Residents enjoy an impressive collection of amenities, including a beautiful community pool with a children's zero-entry area, clubhouse, fitness center with brand-new equipment, playground, tennis courts, pickleball courts, and more. It's a community designed to make everyday living feel like a lifestyle. The location is just as impressive, with convenient access to GA-400 and the ability to walk to nearby shopping, dining, medical services, and everyday necessities.
With its spacious and flexible floor plan, exceptional maintenance, fresh paint, and unbeatable community amenities, this home is truly move-in ready while still giving you the opportunity to make it your own. Come see why this Bridgetowne home deserves to be at the top of your list!
All 41 photos
Description provided by Coldwell Banker Realty and reproduced from the MLS; not independently verified.
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
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.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.
Actual list price: $519,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries a CDD assessment of about $2,200/yr; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 22 days on market vs. a 21-day community median
- 6 active listings competing, 3 under contract
- ≈3.1 months of supply
- 20 closed here in the last 12 months
For reference, this home is listed at $519,000 ($152/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,420 sq ft × $160–$204/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 29, 2026.
Similar homes for sale near Bridgetowne
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 Bridgetowne
- 4945 Pont Du Gard Drive · $544,900 · 5 bd / 3.0 ba · listed September 25, 2026 (courtesy of eXp Realty)
- 4970 Roseman Trail · $499,999 · 5 bd / 3.0 ba · listed September 10, 2026 (courtesy of Neighborhood Assistance Corp.)
- 5770 Rialto Way · $525,000 · 4 bd / 2.5 ba · listed September 3, 2026 (courtesy of Virtual Properties Realty.com)
Recently off market in Bridgetowne
- 3724 Humber Ct · last listed $364,999 · 2026-09-19
- 3821 Humber Court · 2026-09-10
Price & listing history
Building permits
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.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Coldwell Banker Realty · MLS # 10826330
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Recent sales activity in Bridgetowne
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Bridgetowne neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Bridgetowne
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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $182/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 4435 Fourth Rail Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2012: 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.
- A CDD assessment of about $2,200/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
- 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 3,420 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 $5,450/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.
Approximate distances
Approximate drive times for 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 →Data sources & freshness
| Listing record | Georgia MLS, refreshed twice daily (last: September 29, 2026) |
| Community market stats | Georgia MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 4435 Fourth Rail Lane and when was it built?
Per the listing record, 4435 Fourth Rail Lane was built in 2012 and has 3,420 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 4435 Fourth Rail Lane in?
4435 Fourth Rail Lane is in Bridgetowne in Cumming, Forsyth County. The community section on this page shows recent closed sales, days on market, and active inventory for Bridgetowne from the same MLS data.
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. This parcel shows a CDD assessment of about $2,200 per year; confirm the exact figure with the county.
How are property taxes on 4435 Fourth Rail Lane estimated?
The estimate on this page (about $5,450 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.
Are short-term rentals allowed at 4435 Fourth Rail Lane?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Is 4435 Fourth Rail Lane 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 4435 Fourth Rail Lane in person
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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 a typical county millage rate to the list price 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.