120 Chambers Ave, Cornelia, GA 30531 Property Records

Habersham County property record for 120 Chambers Ave, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 1970
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Last Sale	$298,900 (Aug 2025)
Tax Bill	$3,522 (2026)
Deeds & Mortgages	Jun 2026 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`116C098`

Property Details

APN / Parcel Number

Primary APN	`116C098`
Alternative APNs	`681255` `409908`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,352 sqft Heated Area
Gross Area	2,194 sqft
1st Floor Area	1,352 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	261 ft deep x 150 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	192 sqft
Patio Area	352 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	409908
Street Address	120 CHAMBERS AVE
City	CORNELIA
State	GA
Zip	30531-4100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	10-183 LOT-19 BLK K 1406-515
Legal Subdivision	PARK VIEW
Legal Block	K
Legal Lot Number	19
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	2
Census Block	2084
Census Tract	400

Owner

120 Chambers Ave is owned and occupied by two individuals who bought it in August 2025.

Source: Habersham County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 CHAMBERS AVE, CORNELIA, GA 30531-4100
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING
May 14, 2021	Warranty Deed, Transfer · FHA Mortgage SOUTH STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on File
Deed Sale	Aug 11, 2025 · Amount on File
Prior Sale	May 14, 2021 · Amount on File
Deed Book / Page	1406 / 497
Prior Transfer Date	Aug 8, 2025
Prior Transfer Doc	001406/515
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Recording Date	Jun 16, 2026
Property Address	120 CHAMBERS AVE, CORNELIA, GA 30531-4100
Document Number	1436000428
Book / Page	1436 / 428
Instrument Date	Jun 5, 2026
Transaction Type	Mortgage
Record Updated	Jul 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CHAMBERS AVE, CORNELIA, GA 30531-4100

Mortgage

Document Number	1436000428,
Date	Jun 16, 2026
Book Page	1436/428

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jun 1, 2055

Interest

Rate	6.37%
Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	May 14, 2021
Property Address	120 CHAMBERS AVE, CORNELIA, GA 30531-4100
Document Number	1262/522
Book / Page	1262 / 522
Instrument Date	May 14, 2021
Instrument	2021-001140
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CHAMBERS AVE, CORNELIA, GA 30531-4100

Mortgage

Document Number	0000001262/0000000524
Date	May 18, 2021
Book Page	0000001262/0000000524

Lender

Name	SOUTH STATE BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 120 Chambers Ave was $3,522, down 1.5% from the year before.

Source: Habersham County assessment roll, as of September 11, 2026

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
2026	$3,522.00 (-1.54%)	$109,048 (+2.59%) Land $18,620 Building $90,428	$272,620 (+2.58%) Land $46,550 Building $226,070
2025	$3,577.00	$106,300 Land $18,620 Building $87,680	$265,751 Land $46,550 Building $219,201
2023	$2,236.00 (+13.91%)	$86,164 (+13.93%) Land $13,440 Building $72,724	$215,410 (+13.93%) Land $33,600 Building $181,810
2022	$1,963.00	$75,632 Land $13,440 Building $62,192	$189,080 Land $33,600 Building $155,480

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

FEMA maps place 120 Chambers Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 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

Wildfire risk around 120 Chambers Ave is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 45% of Georgia
Wildfire Likelihood	0.09% 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
TrailWave Fiber	1,000 / 1,000
Windstream Cable · DSL	1,000 / 25
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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