186 S Main St, Cornelia, GA 30531 Property Records

Habersham County property record for 186 S Main St, Cornelia, GA 30531

Property Summary

Property Type	Commercial
Details	1,478 sqft · built 1964
Lot Size	0.74 acres (32,234 sqft)
Owner	Company Name on File
Last Sale	$1,016,449 (Sep 2025)
Tax Bill	$2,431 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage May 2019 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`089D021`

Property Details

APN / Parcel Number

Primary APN	`089D021`
Alternative APNs	`677037` `398866`

Interior

Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,478 sqft Total Area
1st Floor Area	1,478 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2003
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Wood Truss
Roof Material	Metal
Lot Area	32,234 sqft (0.74 acres)
Lot Dimensions	150 ft deep x 200 ft wide
Canopy	1,804 sqft
Storage Building	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	398866
Street Address	186 S MAIN ST
City	CORNELIA
State	GA
Zip	30531-3900
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	B2
Legal Description	10-171 PB 41-175 DB 1410-614
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	3
Census Block	3014
Census Tract	604

Owner

186 S Main St, a commercial property, is owned by a company that bought it in September 2025.

Source: Habersham County records, as of September 11, 2026

Owner of Record	Company Name on File
Mailing Address	1336 MANDALAY CT SW, LILBURN, GA 30047-8930
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Limited Warranty Deed, Transfer STANDARD INSURANCE
May 30, 2019	Warranty Deed, Transfer
May 30, 2019	Warranty Deed, Transfer · Commercial Mortgage CITIBANK
Sep 19, 2018	Warranty Deed, Transfer
Jul 31, 2018	Warranty Deed, Transfer · Commercial Mortgage CERCO CAPITAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2025 · Amount on File
Deed Sale	Sep 16, 2025 · Amount on File
Prior Sale	May 30, 2019 · Amount on File
Deed Book / Page	1410 / 614
Record Updated	Oct 29, 2026

September 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Sep 16, 2025
Property Address	186 S MAIN ST, CORNELIA, GA 30531-3900
Document Number	001410/614
Book / Page	1410 / 614
Instrument Date	Sep 5, 2025
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10.17
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1336 MANDALAY CT SW, LILBURN, GA 30047-8930
Investor	Possibly a Property Investor

Mortgage

Document Number	0001410620
Date	Sep 16, 2025
Instrument	1410/620

Lender

Name	STANDARD INSURANCE

Agreement

Amount	Amount on Record
Term	292 Months
Due	Jan 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	May 30, 2019
Property Address	186 S MAIN ST, CORNELIA, GA 30531-3900
Document Number	001194/807
Book / Page	1194 / 807
Instrument Date	May 30, 2019
Instrument	2019-000935
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount 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	7621 LITTLE AVE STE 200, 200, CHARLOTTE, NC 28226-8379
Investor	Possibly a Property Investor

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	May 30, 2019
Property Address	186 S MAIN ST, CORNELIA, GA 30531-3900
Document Number	001194/807
Book / Page	1194 / 807
Instrument Date	May 30, 2019
Instrument	2019-000935
Transaction Type	Transfer
Record Updated	Sep 8, 2025

Transaction

Amount	Amount 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	7621 LITTLE AVE STE 200, 200, CHARLOTTE, NC 28226-8379
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001194/0000000811
Date	Jun 18, 2019
Book Page	0000001194/0000000811

Lender

Name	CITIBANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Sep 19, 2018
Property Address	186 S MAIN ST, CORNELIA, GA 30531-3900
Document Number	001176/648
Book / Page	1176 / 648
Instrument Date	Sep 19, 2018
Instrument	2018-001770
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount 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	405 PARK AVE, NEW YORK, NY 10022-4405

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jul 31, 2018
Property Address	186 S MAIN ST, CORNELIA, GA 30531-3900
Document Number	001171/721
Book / Page	1171 / 721
Instrument Date	Jul 31, 2018
Instrument	2018-001317
Transaction Type	Transfer
Record Updated	Sep 8, 2025

Transaction

Amount	Amount 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	1750 S TELEGRAPH RD STE 310, 310, BLOOMFIELD HILLS, MI 48302-0179

Mortgage

Document Number	001171/728
Date	Aug 1, 2018
Book Page	1171/728

Lender

Name	CERCO CAPITAL
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	24 Months
Due	Aug 1, 2020

Tax Assessment & Valuation

The 2026 property tax bill for 186 S Main St was $2,431, down 5.1% from the year before.

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	$2,431.00 (-5.11%)	$75,286 (-1.1%) Land $24,000 Building $51,286	$188,214 (-1.1%) Land $60,000 Building $128,214
2025	$2,562.00	$76,124 Land $24,000 Building $52,124	$190,311 Land $60,000 Building $130,311
2023	$2,013.00 (+7.59%)	$77,572 (+7.6%) Land $24,000 Building $53,572	$193,930 (+7.6%) Land $60,000 Building $133,930
2022	$1,871.00	$72,096 Land $24,000 Building $48,096	$180,240 Land $60,000 Building $120,240

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 186 S Main St 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

Wildfire risk around 186 S Main St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Georgia
Wildfire Likelihood	0.03% 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable · Fiber in parts of the area	1,000 / 25
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Main St

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