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7245 Heritage Oak Ct, Cumming, GA, 30040

3beds
3baths
1,932sqft
$475,000
$246price/sqft
$3,730/moest. monthly cost
$149,200/yrincome needed

About This Home

Price Improvement! Second Chance at This Beautiful Home! Stunning brick-front townhome in one of Cumming's most sought-after communities. Offering the rare combination of low-maintenance living, top-rated schools, and NO rental restrictions. Whether you're searching for your forever home or a turnkey investment property, this one delivers on every front. Arrive to impressive curb appeal: classic brick and Hardie-plank exterior, carriage-style garage door, and professionally landscaped grounds. Step through the transom-lit front door into a welcoming foyer with soaring ceilings, where rich hardwood floors set the tone throughout the entire home. The main level flows effortlessly from a spacious living room anchored by a gas fireplace with white mantel and oversized windows to a generous dining area and a designer kitchen that will impress even the most discerning buyer. The kitchen features white raised-panel cabinetry, granite countertops, a classic subway tile backsplash, stainless steel appliances including a gas range and French door refrigerator, recessed lighting, and a breakfast bar perfect for casual dining. A stylish powder bath with pedestal sink completes the main level. Upstairs, a versatile loft with hardwood floors provides ideal flex space for a home office, media room, or playroom. The primary suite is a true retreat: vaulted ceilings, a ceiling fan, walk-in closet with custom built-in shelving tower and double hanging rods, and a spa-inspired en suite bath featuring a double vanity with white cabinetry and quartz-style countertops, a soaking tub with tile surround, and a separate frameless glass shower. Two additional bedrooms, each with hardwood floors, ceiling fans, and ample closet space, share a well-appointed full bath with tub/shower combo. The dedicated upstairs laundry room with washer and dryer included adds everyday convenience you'll appreciate from day one. Step outside to your own private backyard oasis: a concrete patio perfect for grilling or morning coffee, a fully fenced yard with lush grass, and a gorgeous wooded backdrop that offers rare privacy and tranquility for a townhome. HOA-managed landscaping means your weekends stay free, and the community pool is just steps away for summer fun. Zoned for top-rated Midway Elementary, DeSana Middle, and Denmark High School. Minutes to Hwy 400, Publix, Walmart, and the best of Forsyth County dining and retail. The refrigerator, washer/dryer, and television all convey. Move right in or start renting immediately.

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

9/10
Midway Elementary SchoolGrades PK-50.8 mi
8/10
DeSana Middle SchoolGrades 6-82.3 mi
10/10
Denmark High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2018

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick,Other

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Water Heater,Microwave,Refrigerator
  • Laundry features: Upper Level

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Other,Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Factory Built,Family Room,Gas Log,Gas Starter
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,932
  • Common walls with other units/homes: 2+ Common Walls

Heating & Cooling

  • Heating features: Central,Forced Air,Zoned
  • Cooling features: Ceiling Fan(s),Central Air,Zoned

Interior Area

  • Total structure area: 1,932
  • Total interior livable area: 1,932 sqft

Kitchen

  • Features: Breakfast Bar,Breakfast Room,Pantry

Property

Details

  • Parcel number: 038 442
  • Attached to another structure: Yes

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Fencing: Back Yard
  • Waterbody name: None

Lot

  • Lot size: 2,613 sqft
  • Features: Other,Private

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener,Kitchen Level
  • Has garage: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Tornado
Cold Wave
Hail
Ice Storm
Strong Wind

FEMA Declared Disasters Across Georgia Counties

Hurricane
Severe Storm
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,401$28,812
Home Insurance *$159$1,908
Property Taxes $951$11,412
Electricity $219$2,637
Total$3,730$44,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,885/yr
40% on housing$111,900/yr
45% on housing$99,466/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$246This listing

vs Other Active Listings

Avg $/sqft

ZIP 30040$218
Forsyth County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 30040$212
Forsyth County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-13Price change$2,350
2026-07-24Price change$469,000
2026-07-02Listed for rent$2,500
2026-06-03Listed for sale$475,000
2026-05-22Pending sale$475,000
2026-05-12Listing removed$2,500
2026-04-24Listed for sale$475,000
2026-04-02Listing removed$479,900
2026-04-02Listed for rent$2,500
2026-04-01Listing removed$2,500
2026-02-20Listed for rent$2,500
2026-02-12Listed for sale$479,900
2026-02-01Listing removed$495,000
2025-10-30Listed for sale$495,000
2024-05-13Sold$491,000
2024-04-09Pending sale$477,900
2024-04-08Contingent$477,900
2024-04-07Listed for sale$477,900
2019-03-28Sold$296,160

For Sale by Agent

AgentDebbie T Key
BrokerageKeller Williams Realty North Atlanta

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