1102 S Main St, Cornelia, GA 30531 Property Records

Habersham County property record for 1102 S Main St, Cornelia, GA 30531

Property Summary

Property Type	Commercial Office
Details	4 bd · 7 ba · 2,800 sqft · built 1917
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on Record
Last Sale	$149,000 (Mar 2008)
Tax Bill	$1,627 (2023)
Deeds & Mortgages	Jul 2018 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`089B119`

Property Details

APN / Parcel Number

Primary APN	`089B119`
Alternative APN	`658094`

Interior

Bedrooms	4 Beds
Full Baths	7 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,800 sqft Total Area
1st Floor Area	1,327 sqft
Upper Floors Area	1,375 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1990
Architectural Style	Other
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	62 ft deep x 25 ft wide
Porch	Open Porch
Porch Area	48 sqft
Canopy	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	658094
Street Address	1102 S MAIN ST
City	CORNELIA
State	GA
Zip	30531-3972
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	B2
Legal Description	10-172 PB 37-184 849-163
Legal Subdivision	NOT SHOWN
Legal Lot Number	7
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	2
Census Block	2072
Census Tract	400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cornelia Commercial Historic District listed 2022 · 52 contributing resources · NRIS 100007277

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Habersham County records, as of March 18, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 100, BALDWIN, GA 30511-0100
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2018	Deed of Trust, Mortgage RABUN COUNTY BANK
Apr 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2008 · Amount on Record
Deed Sale	Mar 19, 2008 · Amount on Record
Deed Document Number	0000849163
Deed Book / Page	849 / 163
Prior Transfer Date	Mar 1, 2008
Prior Transfer Doc	0000849163
Record Updated	Jun 7, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	1102 S MAIN ST, CORNELIA, GA 30531-3972
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001171/486
Date	Jul 27, 2018
Book Page	1171/486

Lender

Name	RABUN COUNTY BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	168 Months
Due	Aug 1, 2032

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	1102 S MAIN ST, CORNELIA, GA 30531-3972
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1102 S MAIN ST, CORNELIA, GA 30531-3972

Mortgage

Document Number	0000001259/0000000848
Date	Apr 29, 2021
Book Page	0000001259/0000000848

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jan 1, 2023

Tax Assessment & Valuation

Source: Habersham County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Georgia
County	Habersham County
Municipality	Cornelia City
Unified School District	Habersham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,627.00 (+6.97%)	$62,712 (+7.01%) Land $2,228 Building $60,484	$156,780 (+7.01%) Land $5,570 Building $151,210
2022	$1,521.00	$58,604 Land $2,228 Building $56,376	$146,510 Land $5,570 Building $140,940

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 5, 2018

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 89% of Georgia
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CORNELIA serves 6,130 people · EPA ID GA1370003
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
Windstream Cable · DSL · Fiber in parts of the area	1,000 / 25
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Point Broadband.

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