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118 Cardinal Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 118 Cardinal Ln, Toccoa, GA 30577

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,088 sqft · built 2002
Lot Size0.27 acres (11,761 sqft)
OwnerIndividual Name on Record
Last Sale$180,000 (Sep 2011)
Tax Bill$3,322 (2025)
Deeds & MortgagesJan 2020 Mortgage
Dec 2019 Transfer
Flood ZoneZone X (minimal risk)
APN056E 027

Property Details

APN / Parcel Number

Primary APN056E 027
Alternative APN
  • 270500

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area1,088 sqft Heated Area
Basement Area1,088 sqft
Unfinished Basement1,088 sqft
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2006
Architectural StyleRanch
Exterior MaterialBrick
Construction TypeFrame
Roof TypeGable
Roof MaterialMetal
Lot Area11,761 sqft (0.27 acres)
Lot Dimensions150 ft deep x 120 ft wide
TerrainGentle Slope
Garage TypeMixed
Garage Area624 sqft

Exterior Amenities

PorchSlab
Porch Area208 sqft
Deck Area392 sqft
Patio Area608 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelElectric

Location & Zoning

Account Number270500
Street Address118 CARDINAL LN
CityTOCCOA
StateGA
Zip30577-7127
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS
Legal DescriptionLOT 84 BLK R SEC 2 SHOREWOOD EST & CC
Legal SubdivisionSHOREWOOD
Legal BlockR
Legal Lot Number84
JurisdictionSTEPHENS GA
Township / Civil DivisionROCK CREEK
Census Block Group2
Census Block2024
Census Tract970201

Owner

Source: Stephens County records, as of March 12, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address3614 CENTENNIAL SQ, PEACHTREE CORNERS, GA 30092-2477
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 4, 2020Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN INTERNET MTG
Dec 3, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 6, 2011 · Amount on Record
Deed SaleSep 6, 2011 · Amount on Record
Prior SaleAug 14, 2007 · Amount on Record
Deed Book / Page964 / 171
Last Transfer DateJul 25, 2025
Transfer Doc0014160457
Record UpdatedJun 8, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTEPHENS GA
Property Address118 CARDINAL LN, TOCCOA, GA 30577-7127
Document Number0011990402
Instrument DateJan 4, 2020
Transaction TypeMortgage
Record UpdatedJan 29, 2020
Title CompanyOLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 CARDINAL LN TOCCOA GA 305777127, TOCCOA, GA 30577-7127

Mortgage

Document Number0011990402
DateJan 16, 2020
Book Page001199/000402
Lender
NameAMERICAN INTERNET MTG
TypeMortgage Company
AddressSAN DIEGO, CA 92108
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 15, 2035

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSTEPHENS GA
Recording DateDec 3, 2019
Property Address118 CARDINAL LN, TOCCOA, GA 30577-7127
Document Number0011960004
Book / Page001196 / 000004
Instrument DateDec 2, 2019
Transaction TypeTransfer
Record UpdatedDec 13, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 CARDINAL LN TOCCOA GA 305777127, TOCCOA, GA 30577-7127

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 12, 2026

Property Jurisdictions

TypeName
StateGeorgia
CountyStephens County
Unified School DistrictStephens County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,322.00 (+78.51%)$121,042 (+24.26%) Land $47,380 Building $73,662$302,606 (+24.26%) Land $118,450 Building $184,156
2023$1,861.00 (-24.78%) Homeowner's exemption$97,408 (+17.18%) Land $47,380 Building $50,028$243,520 (+17.18%) Land $118,450 Building $125,070
2022$2,474.00 Homeowner's exemption$83,128 Land $35,226 Building $47,902$207,819 Land $88,065 Building $119,754

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 September 26, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 64% of the US · lower than 87% of Georgia
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
West Carolina Rural Telephone Cooperative
Fiber		8,000 / 8,000
Spectrum
Fiber		1,000 / 1,000

May also be available: HTC.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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