198 Ridgeway Cir, Cornelia, GA 30531 Property Records

Habersham County property record for 198 Ridgeway Cir, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,854 sqft · built 1977
Lot Size	1.32 acres (57,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Sep 2024)
Tax Bill	$2,859 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Nov 2021 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`112A057`

Property Details

APN / Parcel Number

Primary APN	`112A057`
Alternative APNs	`682595` `407247`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,854 sqft Heated Area
Gross Area	4,096 sqft
1st Floor Area	1,446 sqft
Upper Floors Area	680 sqft
Attic	Attic
Attic Area	680 sqft
Basement Area	1,226 sqft
Unfinished Basement	1,226 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2017
Exterior Material	Wood
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	57,499 sqft (1.32 acres)
Lot Dimensions	110 ft deep x 229 ft wide
Garage Type	Carport
Garage Area	484 sqft
Carport	Carport
Carport Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	126 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	407247
Street Address	198 RIDGEWAY CIR
City	CORNELIA
State	GA
Zip	30531-2255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	10-140 LT 13 14 PB 36-176 DB 1377-1051
Legal Subdivision	RIDGEWOOD ESTATES
Legal Lot Number	13
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	1
Census Block	1057
Census Tract	501

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	2 Individual Names on Record
Mailing Address	198 RIDGEWAY CIR, CORNELIA, GA 30531-2255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NATONWIDE MORTGAGE
Nov 4, 2021	Warranty Deed, Transfer
Sep 4, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE
Nov 20, 2018	Warranty Deed, Transfer
Nov 20, 2018	Warranty Deed, Transfer
Jul 24, 2018	Foreclosure
Jul 24, 2018	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2024 · Amount on Record
Deed Sale	Sep 25, 2024 · Amount on Record
Prior Sale	Nov 4, 2021 · Amount on Record
Deed Book / Page	1377 / 1051
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Nov 4, 2021
Property Address	198 RIDGEWAY CIR, CORNELIA, GA 30531-2255
Document Number	01286/1474
Book / Page	1286 / 1474
Instrument Date	Nov 4, 2021
Instrument	2021-003036
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	198 RIDGEWAY CIR, CORNELIA, GA 30531-2255

Mortgage

Document Number	0012861476
Date	Nov 4, 2021
Instrument	1286/1476

Lender

Name	AMERICAN NATONWIDE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Nov 4, 2021
Property Address	198 RIDGEWAY CIR, CORNELIA, GA 30531-2255
Document Number	001287/289
Book / Page	1287 / 289
Instrument Date	Nov 4, 2021
Instrument	2021-003066
Transaction Type	Transfer
Record Updated	Nov 15, 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	198 RIDGEWAY CIR, CORNELIA, GA 30531-2255

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Sep 4, 2019
Property Address	198 RIDGEWAY CIR, CORNELIA, GA 30531-2255
Document Number	01200/1129
Book / Page	1200 / 1129
Instrument Date	Sep 4, 2019
Instrument	2019-001697
Transaction Type	Transfer
Record Updated	Aug 3, 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	198 RIDGEWAY CIR, CORNELIA, GA 30531-2255

Mortgage

Document Number	0000001200/0000001130
Date	Sep 6, 2019
Book Page	0000001200/0000001130

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Nov 20, 2018
Property Address	198 RIDGEWAY CIR, CORNELIA, GA 30531-2255
Document Number	001180/332
Book / Page	1180 / 332
Instrument Date	Nov 20, 2018
Instrument	2018-002156
Transaction Type	Transfer
Record Updated	Aug 3, 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	112 SPRING ST, CLARKESVILLE, GA 30523-5912
Investor	Possibly a Property Investor

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Nov 20, 2018
Property Address	198 RIDGEWAY CIR, CORNELIA, GA 30531-2255
Document Number	001180/335
Book / Page	1180 / 335
Instrument Date	Nov 20, 2018
Instrument	2018-002159
Transaction Type	Transfer
Record Updated	Aug 3, 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	112 SPRING ST, CLARKESVILLE, GA 30523-5912

July 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	HABERSHAM GA
Recording Date	Jul 24, 2018
Property Address	198 RIDGEWAY CIR, CORNELIA, GA 30531-2255
Document Number	1175/109
Book / Page	1175 / 109
Instrument Date	Jul 24, 2018
Instrument	2018-001693
Transaction Type	Foreclosure
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368-2239
Investor	Possibly a Property Investor

July 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	HABERSHAM GA
Recording Date	Jul 24, 2018
Property Address	198 RIDGEWAY CIR, CORNELIA, GA 30531-2255
Document Number	001175/109
Book / Page	1175 / 109
Instrument Date	Jul 24, 2018
Instrument	2018-001693
Transaction Type	Foreclosure
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368-2222
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Georgia
County	Habersham County
Unified School District	Habersham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,859.00 (-22.81%) Homeowner's exemption	$120,318 (-15.7%) Land $32,000 Building $88,318	$300,795 (-15.7%) Land $80,000 Building $220,795
2023	$3,704.00 (+23.06%)	$142,728 (+23.04%) Land $12,000 Building $130,728	$356,820 (+23.04%) Land $30,000 Building $326,820
2022	$3,010.00	$116,000 Land $12,000 Building $104,000	$290,000 Land $30,000 Building $260,000

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 45% of the US · above 45% of Georgia
Wildfire Likelihood	0.08% 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable	1,000 / 25
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: TrailWave, Verizon.

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