123 Banks St, Cornelia, GA 30531 Property Records

Habersham County property record for 123 Banks St, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 644 sqft · built 1937
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$76,000 (Sep 2022)
Tax Bill	$1,352 (2026)
Deeds & Mortgages	Sep 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`089D080`

Property Details

APN / Parcel Number

Primary APN	`089D080`
Alternative APNs	`684461` `398991`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	644 sqft Heated Area
Gross Area	1,329 sqft
1st Floor Area	644 sqft
Basement Area	580 sqft
Unfinished Basement	580 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1937
Effective Year Built	Effective 2000
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	21,344 sqft (0.49 acres)
Lot Dimensions	195 ft deep x 130 ft wide
Porch	Slab
Porch Area	169 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	398991
Street Address	123 BANKS ST
City	CORNELIA
State	GA
Zip	30531-3927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	10-171 1319-977
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	3
Census Block	3009
Census Tract	604

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	123 BANKS ST, CORNELIA, GA 30531-3927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2022 · Amount on Record
Deed Sale	Sep 27, 2022 · Amount on Record
Deed Document Number	20222434
Deed Book / Page	1319 / 977
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Sep 23, 2022
Property Address	123 BANKS ST, CORNELIA, GA 30531-3927
Document Number	001319/977
Book / Page	1319 / 977
Instrument Date	Sep 23, 2022
Instrument	2022-002434
Transaction Type	Transfer
Record Updated	Oct 14, 2022

Transaction

Amount	Amount Recorded
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	123 BANKS ST, CORNELIA, GA 30531-3927

Tax Assessment & Valuation

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	$1,352.00 (+73.11%) Homeowner's exemption	$57,307 (+90.21%) Land $17,254 Building $40,053	$143,266 (+90.21%) Land $43,134 Building $100,132
2023	$781.00 (+63.05%)	$30,128 (+63.14%) Land $9,984 Building $20,144	$75,320 (+63.14%) Land $24,960 Building $50,360
2022	$479.00	$18,468 Land $8,236 Building $10,232	$46,170 Land $20,590 Building $25,580

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
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 64% of the US · lower than 85% of Georgia
Wildfire Likelihood	0.05% 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 134 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Banks St

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