148 Willingham St, Cornelia, GA 30531 Property Records

Habersham County property record for 148 Willingham St, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,894 sqft · built 2004
Lot Size	1.29 acres (56,192 sqft)
Owner	Individual Name on Record
Tax Bill	$3,031 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114C133`

Property Details

APN / Parcel Number

Primary APN	`114C133`
Alternative APNs	`649158` `408610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,894 sqft Heated Area
Gross Area	3,992 sqft
1st Floor Area	1,894 sqft
Basement Area	1,894 sqft
Unfinished Basement	1,894 sqft
Flooring	Parquet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	56,192 sqft (1.29 acres)

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	408610
Street Address	148 WILLINGHAM ST
City	CORNELIA
State	GA
Zip	30531-3155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	10-148 WILLINGHAM 641-668
Legal Subdivision	TRACT 1
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	2
Census Block	2017
Census Tract	501

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	148 WILLINGHAM ST, CORNELIA, GA 30531-3155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Dec 5, 2019	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jan 10, 2018	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES
May 24, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	148 WILLINGHAM ST, CORNELIA, GA 30531-3155
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 WILLINGHAM ST, CORNELIA, GA 30531-3155

Mortgage

Document Number	0000001234/0000000197
Date	Oct 2, 2020
Book Page	0000001234/0000000197

Lender

Name	CLEARPATH LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	148 WILLINGHAM ST, CORNELIA, GA 30531-3155
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 WILLINGHAM ST, CORNELIA, GA 30531-3155

Mortgage

Document Number	0000001207/0000000680
Date	Dec 5, 2019
Book Page	0000001207/0000000680

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	148 WILLINGHAM ST, CORNELIA, GA 30531-3155
Transaction Type	Mortgage
Record Updated	Feb 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 0011561190
Date	Jan 10, 2018
Book Page	1156/1190

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	148 WILLINGHAM ST, CORNELIA, GA 30531-3155
Transaction Type	Mortgage
Record Updated	Jul 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 0001139914
Date	May 24, 2017
Book Page	1139/914

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

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	$3,031.00 Homeowner's exemption	$133,040 (+34.53%) Land $21,223 Building $111,817	$332,600 (+34.53%) Land $53,057 Building $279,543
2023	Homeowner's exemption	$98,892 (+19.43%) Land $10,776 Building $88,116	$247,230 (+19.43%) Land $26,940 Building $220,290
2022	Homeowner's exemption	$82,804 Land $7,408 Building $75,396	$207,010 Land $18,520 Building $188,490

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

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	0.07% annual chance
Exposure	Direct burnable vegetation

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 144 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Point Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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