123 Etta St, Cornelia, GA 30531 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,670 sqft · built 1940
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$95,500 (Jul 2021)
Tax Bill	$2,935 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`087D165A`

Property Details

APN / Parcel Number

Primary APN	`087D165A`
Alternative APNs	`681614` `516543`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,670 sqft Heated Area
Gross Area	3,008 sqft
1st Floor Area	2,430 sqft
Basement Area	240 sqft
Unfinished Basement	240 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Metal
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	114 ft deep x 104 ft wide
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	58 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	516543
Street Address	123 ETTA ST
City	CORNELIA
State	GA
Zip	30531-2922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	BLK A LT 51 DB 1271-302
Legal Block	A
Legal Lot Number	51
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	4
Census Block	4009
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	Individual Name on Record
Mailing Address	123 ETTA ST, CORNELIA, GA 30531-2922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	May 19, 2016 · Amount on Record
Deed Document Number	20211718
Deed Book / Page	1271 / 302
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	123 ETTA ST, CORNELIA, GA 30531-2922
Document Number	1436000482
Book / Page	1436 / 482
Instrument Date	May 29, 2026
Transaction Type	Mortgage
Record Updated	Jul 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 ETTA ST, CORNELIA, GA 30531-2922

Mortgage

Document Number	1436000482,
Date	Jun 16, 2026
Book Page	1436/482

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2051

Interest

Rate	6.3%
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jul 13, 2021
Property Address	123 ETTA ST, CORNELIA, GA 30531-2922
Document Number	001271/302
Book / Page	1271 / 302
Instrument Date	Jul 13, 2021
Instrument	2021-001718
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 ETTA ST, CORNELIA, GA 30531-2922

Mortgage

Document Number	0000001271/0000000303
Date	Jul 16, 2021
Book Page	0000001271/0000000303

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

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	$2,935.00 (-5.75%) Homeowner's exemption	$122,411 (-0.32%) Land $7,521 Building $114,890	$306,028 (-0.32%) Land $18,803 Building $287,225
2025	$3,114.00 Homeowner's exemption	$122,800 (+50.9%) Land $7,521 Building $115,279	$307,000 (+50.9%) Land $18,803 Building $288,197
2023	Homeowner's exemption	$81,380 (+15.17%) Land $13,892 Building $67,488	$203,450 (+15.17%) Land $34,730 Building $168,720
2022	Homeowner's exemption	$70,660 Land $12,504 Building $58,156	$176,650 Land $31,260 Building $145,390

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 Risk	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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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