188 Hoyt St, Cornelia, GA 30531 Property Records

Habersham County property record for 188 Hoyt St, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1926
Lot Size	0.31 acres (13,504 sqft)
Owner	Company Name on Record
Tax Bill	$3,395 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Apr 2005 Mortgage + 10 more
Flood Zone	Zone X (minimal risk)
APN	`089D059`

Property Details

APN / Parcel Number

Primary APN	`089D059`
Alternative APNs	`684214` `398946`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Heated Area
Gross Area	1,616 sqft
1st Floor Area	1,344 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2010
Exterior Material	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	109 ft deep x 100 ft wide

Exterior Amenities

Porch	Slab
Porch Area	272 sqft
Canopy	400 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	398946
Street Address	188 HOYT ST
City	CORNELIA
State	GA
Zip	30531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	10-171 PB 61-254 DB 1376-959
Legal Subdivision	J W PEYTON SCHOOL HOUSE
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	3
Census Block	3006
Census Tract	604

Owner

Source: Habersham County records, as of May 27, 2026

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	6434 LAWRENCEVILLE HWY, TUCKER, GA 30084-1706
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE
Apr 20, 2005	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK
Mar 20, 2026	Warranty Deed, Transfer
Aug 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL
Jul 29, 2022	Warranty Deed, Transfer
Jul 29, 2022	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL
Jul 29, 2022	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL
May 6, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTA POSTAL CREDIT UNION
Sep 14, 2018	Warranty Deed, Transfer
Sep 14, 2018	Warranty Deed, Transfer
Jul 11, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES
Sep 17, 2008	Deed, Transfer · Conventional Mortgage UNITED COMMUNITY MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2026
Deed Sale	Mar 20, 2026
Prior Sale	Sep 13, 2024 · Amount on Record
Deed Book / Page	1426 / 1025
Prior Transfer Date	Jul 29, 2022
Prior Transfer Doc	001314/675
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	188 HOYT ST, CORNELIA, GA 30531
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 S HOYT ST, CORNELIA, GA 30531-3956

Mortgage

Document Number	0000001216/0000000186
Date	Mar 20, 2020
Book Page	0000001216/0000000186

Lender

Name	UNITED WHOLESALE

Agreement

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

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	188 HOYT ST, CORNELIA, GA 30531
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000700/671
Date	Apr 20, 2005
Book Page	700/671

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2035

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Mar 20, 2026
Property Address	188 HOYT ST, CORNELIA, GA 30531
Document Number	01426/1025
Book / Page	1426 / 1025
Instrument Date	Mar 20, 2026
Transaction Type	Transfer
Record Updated	May 26, 2026

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	6434 LAWRENCEVILLE HWY, TUCKER, GA 30084-1706
Investor	Possibly a Property Investor

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	188 S HOYT ST, CORNELIA, GA 30531-3956
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 S HOYT ST, CORNELIA, GA 30531-3956

Mortgage

Document Number	0000001314/0000000668
Date	Aug 1, 2022
Book Page	0000001314/0000000668

Lender

Name	EVERETT FINANCIAL

Agreement

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

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jul 29, 2022
Property Address	188 S HOYT ST, CORNELIA, GA 30531-3956
Document Number	001314/675
Book / Page	1314 / 675
Instrument Date	Jul 29, 2022
Instrument	2022-002009
Transaction Type	Transfer
Record Updated	Nov 30, 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	188 HOYT ST, CORNELIA, GA 30531

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jul 29, 2022
Property Address	188 S HOYT ST, CORNELIA, GA 30531-3956
Document Number	001314/655
Book / Page	1314 / 655
Instrument Date	Jul 29, 2022
Instrument	2022-002008
Transaction Type	Transfer
Record Updated	Nov 30, 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	188 HOYT ST, CORNELIA, GA 30531

Mortgage

Document Number	0000001314/0000000657
Date	Aug 1, 2022
Book Page	0000001314/0000000657

Lender

Name	EVERETT FINANCIAL

Agreement

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

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jul 29, 2022
Property Address	188 HOYT ST, CORNELIA, GA 30531
Document Number	001314/655
Book / Page	1314 / 655
Instrument Date	Jul 29, 2022
Instrument	2022-002008
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
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	188 HOYT ST, CORNELIA, GA 30531
Investor	Possibly a Property Investor

Mortgage

Document Number	0001314657
Date	Jul 29, 2022
Instrument	1314/657

Lender

Name	EVERETT FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2052

Mortgage

Document Number	0000001314/0000000668
Date	Aug 1, 2022
Book Page	0000001314/0000000668

Lender

Name	EVERETT FINANCIAL

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	May 6, 2021
Property Address	188 S HOYT ST, CORNELIA, GA 30531-3956
Document Number	0001262/17
Book / Page	1262 / 17
Instrument Date	May 6, 2021
Instrument	2021-001087
Transaction Type	Transfer
Record Updated	Nov 30, 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	188 HOYT ST, CORNELIA, GA 30531

Mortgage

Document Number	0000126218
Date	May 6, 2021
Instrument	1262/18

Lender

Name	ATLANTA POSTAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Sep 14, 2018
Property Address	188 S HOYT ST, CORNELIA, GA 30531-3956
Document Number	1176/40
Book / Page	1176 / 40
Instrument Date	Sep 14, 2018
Instrument	2018-001760
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
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	188 S HOYT ST, CORNELIA, GA 30531-3956

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Sep 14, 2018
Property Address	188 S HOYT ST, CORNELIA, GA 30531-3956
Document Number	0001176/40
Book / Page	1176 / 40
Instrument Date	Sep 14, 2018
Instrument	2018-001760
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
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	188 S HOYT ST, CORNELIA, GA 30531-3956

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jul 11, 2017
Property Address	188 HOYT ST, CORNELIA, GA 30531
Document Number	001143/666
Book / Page	1143 / 666
Instrument Date	Jul 11, 2017
Instrument	2017-001368
Transaction Type	Transfer
Record Updated	Sep 8, 2025

Transaction

Amount	Amount Recorded
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	188 S HOYT ST, CORNELIA, GA 30531-3956
Investor	Possibly a Property Investor

Mortgage

Document Number	001143/667
Date	Jul 12, 2017
Book Page	1143/667

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

September 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	HABERSHAM GA
Recording Date	Sep 17, 2008
Property Address	188 HOYT ST, CORNELIA, GA 30531
Document Number	000862/656
Book / Page	862 / 656
Instrument Date	Sep 17, 2008
Instrument	2008-003569
Transaction Type	Transfer
Record Updated	Sep 8, 2025

Transaction

Amount	Amount Recorded
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	188 S HOYT ST, CORNELIA, GA 30531-3956

Mortgage

Document Number	000862/657
Date	Sep 18, 2008
Book Page	862/657

Lender

Name	UNITED COMMUNITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2038

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	$3,395.00 (+54.53%)	$100,882 (+19.18%) Land $10,576 Building $90,306	$252,205 (+19.18%) Land $26,439 Building $225,766
2023	$2,197.00 (+36.54%)	$84,648 (+36.48%) Land $7,120 Building $77,528	$211,620 (+36.48%) Land $17,800 Building $193,820
2022	$1,609.00	$62,024 Land $5,876 Building $56,148	$155,060 Land $14,690 Building $140,370

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	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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