Habersham County property record for 186 Locke Rd, Cornelia, GA 30531
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,551 sqft · built 1976 |
| Lot Size | 0.76 acres (33,106 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $722 (2026) |
| Deeds & Mortgages | Jan 2016 Construction Loan May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083 096 |
| Primary APN | 083 096 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,551 sqft Heated Area |
| Gross Area | 1,695 sqft |
| 1st Floor Area | 1,551 sqft |
| Flooring | Parquet |
| Interior Walls | Plywood |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 33,106 sqft (0.76 acres) |
| Lot Width | 220 ft Width |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 395084 |
|---|---|
| Street Address | 186 LOCKE RD |
| City | CORNELIA |
| State | GA |
| Zip | 30531-5426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LI |
| Legal Description | 10-114 BREWER B2 L 1263-429 |
| Legal Subdivision | VERTIELEE BREWER & 02-A |
| Jurisdiction | HABERSHAM GA |
| Township / Civil Division | CORNELIA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 501 |
186 Locke Rd is owned and occupied by two individuals who acquired it in May 2021.
Source: Habersham County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 LOCKE RD, CORNELIA, GA 30531-5426 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 19, 2016 | Deed of Trust, Mortgage · Construction Mortgage REGIONS BANK |
| May 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| May 19, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2021 |
| Deed Sale | May 19, 2021 |
| Deed Document Number | 20211215 |
| Deed Book / Page | 1263 / 429 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Property Address | 186 LOCKE RD, CORNELIA, GA 30531-5426 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001103/82 |
|---|---|
| Date | Jan 19, 2016 |
| Book Page | 1103/82 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Property Address | 186 LOCKE RD, CORNELIA, GA 30531-5426 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 186 LOCKE RD, CORNELIA, GA 30531-5426 |
| Document Number | 0000001263/0000000412 |
|---|---|
| Date | May 27, 2021 |
| Book Page | 0000001263/0000000412 |
| Name | REGIONS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | May 19, 2021 |
| Property Address | 186 LOCKE RD, CORNELIA, GA 30531-5426 |
| Document Number | 1263/429 |
| Book / Page | 1263 / 429 |
| Instrument Date | May 19, 2021 |
| Instrument | 2021-001215 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 LOCKE RD, CORNELIA, GA 30531-5426 |
The 2026 property tax bill for 186 Locke Rd was $722 with exemptions applied.
Source: Habersham County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Habersham County |
| Unified School District | Habersham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $722.00 Homeowner's exemption Senior Citizen's exemption | $86,970 Land $13,143 Building $73,827 | $217,425 Land $32,857 Building $184,568 |
| 2023 | Homeowner's exemption Senior Citizen's exemption | $47,728 (+18.15%) Land $7,552 Building $40,176 | $119,320 (+18.15%) Land $18,880 Building $100,440 |
| 2022 | Homeowner's exemption Senior Citizen's exemption | $40,396 Land $6,712 Building $33,684 | $100,990 Land $16,780 Building $84,210 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Locke Rd in Zone X, an area of minimal flood risk.
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 risk around 186 Locke Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · above 74% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TrailWave Fiber | 1,000 / 1,000 |
| Windstream Cable | 1,000 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
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