181 Banks St, Cornelia, GA 30531 Property Records

Habersham County property record for 181 Banks St, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,758 sqft · built 1964
Lot Size	0.49 acres (21,344 sqft)
Owner	Company Name on Record
Tax Bill	$3,008 (2025)
Deeds & Mortgages	Mar 2023 Sale Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`089D079`

Property Details

APN / Parcel Number

Primary APN	`089D079`
Alternative APNs	`632646` `684993` `398989`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,758 sqft Heated Area
Gross Area	2,752 sqft
1st Floor Area	1,758 sqft
Basement Area	704 sqft
Unfinished Basement	704 sqft
Flooring	Hardwood
Interior Walls	Plywood

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	21,344 sqft (0.49 acres)
Lot Dimensions	220 ft deep x 100 ft wide

Exterior Amenities

Porch	Slab
Porch Area	186 sqft
Deck Area	104 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Account Number	398989
Street Address	181 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 1333-601
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 8, 2025

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

Owner of Record	Company Name on Record
Mailing Address	113 S HOYT ST, CORNELIA, GA 30531-3961
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2023	Warranty Deed, Transfer
Nov 17, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL
Nov 17, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL
Sep 29, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2023
Deed Sale	Mar 31, 2023
Prior Sale	Nov 21, 2022 · Amount on Record
Deed Document Number	2023743
Deed Book / Page	1333 / 601
Prior Transfer Date	Sep 29, 2022
Prior Transfer Doc	001320/597
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Mar 30, 2023
Property Address	181 BANKS ST, CORNELIA, GA 30531-3927
Document Number	001333/601
Book / Page	1333 / 601
Instrument Date	Mar 30, 2023
Instrument	2023-000743
Transaction Type	Transfer
Record Updated	Apr 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 S HOYT ST, CORNELIA, GA 30531-3961

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Nov 17, 2022
Property Address	181 BANKS ST, CORNELIA, GA 30531-3927
Document Number	001323/879
Book / Page	1323 / 879
Instrument Date	Nov 17, 2022
Instrument	2022-002958
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Amount	Amount Recorded
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	113 S HOYT ST, CORNELIA, GA 30531-3961

Mortgage

Document Number	0000001323/0000000880
Date	Nov 21, 2022
Book Page	0000001323/0000000880

Lender

Name	HOMESTAR FINANCIAL

Agreement

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

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Nov 17, 2022
Property Address	181 BANKS ST, CORNELIA, GA 30531-3927
Document Number	001323/879
Book / Page	1323 / 879
Instrument Date	Nov 17, 2022
Instrument	2022-002958
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
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	113 S HOYT ST, CORNELIA, GA 30531-3961

Mortgage

Document Number	0001323880
Date	Nov 17, 2022
Instrument	1323/880

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2052

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Sep 29, 2022
Property Address	181 BANKS ST, CORNELIA, GA 30531-3927
Document Number	001320/597
Book / Page	1320 / 597
Instrument Date	Sep 29, 2022
Instrument	2022-002508
Transaction Type	Transfer
Record Updated	Nov 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 BANKS ST, CORNELIA, GA 30531-3927

Tax Assessment & Valuation

Source: Habersham County assessment roll, as of September 8, 2025

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
2025	$3,008.00 (+127.36%)	$89,386 (+75.27%) Land $13,912 Building $75,474	$223,463 (+75.27%) Land $34,779 Building $188,684
2023	$1,323.00	$51,000 (+8.52%) Land $5,680 Building $45,320	$127,500 (+8.52%) Land $14,200 Building $113,300
2022	Homeowner's exemption	$46,996 Land $7,196 Building $39,800	$117,490 Land $17,990 Building $99,500

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	0.05% 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

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