185 Sarah Ln, Cornelia, GA 30531 Property Records

Habersham County property record for 185 Sarah Ln, Cornelia, GA 30531

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 2,108 sqft · built 1989
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,813 (2026)
Deeds & Mortgages	May 2019 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`112C052`

Property Details

APN / Parcel Number

Primary APN	`112C052`
Alternative APNs	`660735` `685545` `407542`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,108 sqft Heated Area
Gross Area	3,012 sqft
1st Floor Area	2,108 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1994
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.57 acres)
Lot Width	950 ft Width
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	220 sqft
Canopy	80 sqft
Storage Building	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	407542
Street Address	185 SARAH LN
City	CORNELIA
State	GA
Zip	30531-2734
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R1
Legal Description	10-148 LT 30 PB 35-64 1344-363
Legal Subdivision	RALPH LOUDERMILK
Legal Lot Number	30
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	2
Census Block	2021
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	2 Individual Names on Record
Mailing Address	185 SARAH LN, CORNELIA, GA 30531-2734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2019	Deed of Trust, Mortgage RABUN COUNTY BANK
Aug 17, 2023	Limited Warranty Deed, Transfer · Conventional Mortgage BELL BANK
May 23, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023
Deed Sale	Aug 17, 2023
Prior Sale	Jun 14, 2022
Deed Book / Page	1344 / 363
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	185 SARAH LN, CORNELIA, GA 30531-2734
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 SARAH LN, CORNELIA, GA 30531-2734

Mortgage

Document Number	0000001192/0000000904
Date	May 20, 2019
Book Page	0000001192/0000000904

Lender

Name	RABUN COUNTY BANK

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2034

August 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 17, 2023
Property Address	185 SARAH LN, CORNELIA, GA 30531-2734
Document Number	001344/363
Book / Page	1344 / 363
Instrument Date	Aug 17, 2023
Transaction Type	Transfer
Record Updated	Sep 25, 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	185 SARAH LN, CORNELIA, GA 30531-2734

Mortgage

Document Number	0001344364
Date	Aug 17, 2023
Instrument	1344/364

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2053

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	May 23, 2022
Property Address	185 SARAH LN, CORNELIA, GA 30531-2734
Document Number	001310/326
Book / Page	1310 / 326
Instrument Date	May 23, 2022
Instrument	2022-001637
Transaction Type	Transfer
Record Updated	Jul 1, 2022

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	185 SARAH LN, CORNELIA, GA 30531-2734

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Georgia
County	Habersham County
Municipality	Mount Airy Town
Unified School District	Habersham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,813.00 (+5.16%) Homeowner's exemption Senior Citizen's exemption	$127,102 (+1.42%) Land $12,800 Building $114,302	$317,755 (+1.42%) Land $32,000 Building $285,755
2025	$1,724.00 Homeowner's exemption Senior Citizen's exemption	$125,318 (+49.15%) Land $12,800 Building $112,518	$313,296 (+49.15%) Land $32,000 Building $281,296
2023	Homeowner's exemption Senior Citizen's exemption	$84,024 (+25.48%) Land $10,000 Building $74,024	$210,060 (+25.48%) Land $25,000 Building $185,060
2022	Homeowner's exemption Senior Citizen's exemption	$66,964 Land $3,460 Building $63,504	$167,410 Land $8,650 Building $158,760

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	Moderate above 46% of the US · above 49% of Georgia
Wildfire Likelihood	0.1% 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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable	1,000 / 25
Starlink Satellite	280 / 30

May also be available: TrailWave, Verizon.

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