1220 Old River Rd, Cornelia, GA 30531 Property Records

Habersham County property record for 1220 Old River Rd, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,669 sqft · built 1998
Lot Size	19.3 acres (842,450 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Aug 2022)
Tax Bill	$3,710 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2011 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`025 147A`

Property Details

APN / Parcel Number

Primary APN	`025 147A`
Alternative APNs	`684279` `377471`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,669 sqft Heated Area
Gross Area	5,408 sqft
1st Floor Area	2,228 sqft
Basement Area	2,160 sqft
Unfinished Basement	2,160 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	842,450 sqft (19.3 acres)
Lot Width	591 ft Width
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	396 sqft
Deck Area	168 sqft
Patio Area	168 sqft
Canopy	484 sqft
Storage Building	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	377471
Street Address	1220 OLD RIVER RD
City	CORNELIA
State	GA
Zip	30531-5840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	10-54 TRK 1 PB 53-38 1315-799
Legal Tract	1
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	1
Census Block	1010
Census Tract	603

Owner

1220 Old River Rd is owned and occupied by two individuals who bought it in August 2022.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	1220 OLD RIVER RD, CORNELIA, GA 30531-5840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Mar 30, 2011	Deed of Trust, Mortgage · Reverse Mortgage PARK PLACE REVERSE MORTGAGE INC
Aug 9, 2022	Limited Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK
Aug 9, 2022	Limited Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2022 · Amount on File
Deed Sale	Aug 12, 2022 · Amount on File
Prior Sale	Nov 10, 2005 · Amount on File
Deed Document Number	20222126
Deed Book / Page	1315 / 799
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Recording Date	Jul 6, 2026
Property Address	1220 OLD RIVER RD, CORNELIA, GA 30531-5840
Document Number	1439000252
Book / Page	1439 / 252
Instrument Date	Jul 6, 2026
Transaction Type	Mortgage
Record Updated	Aug 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 OLD RIVER RD, CORNELIA, GA 30531-5840

Mortgage

Document Number	1439000252,
Date	Jul 6, 2026
Book Page	1439/252

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

March 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	1220 OLD RIVER RD, CORNELIA, GA 30531-5840
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00950/0711
Date	Mar 30, 2011
Book Page	950/0711

Lender

Name	PARK PLACE REVERSE MORTGAGE INC
Type	Reverse Mortgage Lender
Address	ROSWELL, GA 30075

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	1054 Months
Due	Jan 28, 2099

Interest

Rate Type	Fixed Rate
Change Frequency	Monthly

August 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 9, 2022
Property Address	1220 OLD RIVER RD, CORNELIA, GA 30531-5840
Document Number	001315/799
Book / Page	1315 / 799
Instrument Date	Aug 9, 2022
Instrument	2022-002126
Transaction Type	Transfer
Record Updated	Nov 30, 2022

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	8185 JENSEN TRL, GAINESVILLE, GA 30506-5829

Mortgage

Document Number	0000001315/0000000801
Date	Aug 12, 2022
Book Page	0000001315/0000000801

Lender

Name	SYNOVUS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

August 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 9, 2022
Property Address	1220 OLD RIVER RD, CORNELIA, GA 30531-5840
Document Number	001315/799
Book / Page	1315 / 799
Instrument Date	Aug 9, 2022
Instrument	2022-002126
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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	8185 JENSEN TRL, GAINESVILLE, GA 30506-5829

Mortgage

Document Number	0001315801
Date	Aug 9, 2022
Instrument	1315/801

Lender

Name	SYNOVUS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 1220 Old River Rd was $3,710 with a homeowner's exemption, up 33.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,710.00 (+33.21%) Homeowner's exemption	$248,085 (+25.59%) Land $19,548 Building $228,537	$620,211 (+25.59%) Land $48,869 Building $571,342
2025	$2,785.00 Homeowner's exemption	$197,535 Land $76,890 Building $120,645	$493,838 Land $192,226 Building $301,612
2023	Homeowner's exemption	$180,000 (+3.92%) Land $42,696 Building $137,304	$450,000 (+3.92%) Land $106,740 Building $343,260
2022	$4,495.00	$173,208 Land $44,560 Building $128,648	$433,020 Land $111,400 Building $321,620

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 1220 Old River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 5, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (2020)
Most Recent Claim	Oct 2020 · river or lake flooding

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

Wildfire risk around 1220 Old River Rd is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · above 79% of Georgia
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
Windstream Cable	1,000 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

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