Habersham County property record for 226 Locke Rd, Cornelia, GA 30531
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,275 sqft · built 2007 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | Individual Name on File |
| Last Sale | $163,000 (Jun 2018) |
| Tax Bill | $3,309 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 083 097A |
| Primary APN | 083 097A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,275 sqft Heated Area |
| Gross Area | 2,965 sqft |
| 1st Floor Area | 1,275 sqft |
| Basement Area | 1,275 sqft |
| Finished Basement | 1,275 sqft |
| Flooring | Parquet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 32,234 sqft (0.74 acres) |
| Lot Width | 71 ft Width |
| Porch | Slab |
|---|---|
| Porch Area | 75 sqft |
| Deck Area | 340 sqft |
| Patio Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 395090 |
|---|---|
| Street Address | 226 LOCKE RD |
| City | CORNELIA |
| State | GA |
| Zip | 30531-5407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LI |
| Legal Description | 10-105 LT 15 PB 8-154 DB 1168-619 |
| Legal Subdivision | J L BRUCE |
| Legal Lot Number | 15 |
| Jurisdiction | HABERSHAM GA |
| Township / Civil Division | CORNELIA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 501 |
226 Locke Rd is owned and occupied by an individual who bought it in June 2018.
Source: Habersham County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 150 WINDCHIME CIR, DEMOREST, GA 30535-3035 |
| 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 |
|---|---|
| Aug 27, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Jun 22, 2018 | Warranty Deed, Transfer · FHA Mortgage UNITED COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2018 · Amount on File |
| Deed Sale | Jun 22, 2018 · Amount on File |
| Prior Sale | May 1, 2008 · Amount on File |
| Deed Document Number | 20181102 |
| Deed Book / Page | 1168 / 619 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | Aug 27, 2026 |
| Property Address | 226 LOCKE RD, CORNELIA, GA 30531-5407 |
| Document Number | 1445000217 |
| Book / Page | 1445 / 217 |
| Instrument Date | Aug 19, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 226 LOCKE RD, CORNELIA, GA 30531-5407 |
| Document Number | 1445000217, |
|---|---|
| Date | Aug 27, 2026 |
| Book Page | 1445/217 |
| Name | COASTAL COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2057 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | Jun 22, 2018 |
| Property Address | 226 LOCKE RD, CORNELIA, GA 30531-5407 |
| Document Number | 001168/619 |
| Book / Page | 1168 / 619 |
| Instrument Date | Jun 22, 2018 |
| Instrument | 2018-001102 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 150 WINDCHIME CIR, DEMOREST, GA 30535-3035 |
| Document Number | 1168/620 |
|---|---|
| Date | Jun 25, 2018 |
| Book Page | 1168/620 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
The 2026 property tax bill for 226 Locke Rd was $3,309 with a homeowner's exemption.
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 | $3,309.00 Homeowner's exemption | $148,492 Land $12,810 Building $135,682 | $371,229 Land $32,025 Building $339,204 |
| 2023 | Homeowner's exemption | $95,856 (+18%) Land $6,656 Building $89,200 | $239,640 (+18%) Land $16,640 Building $223,000 |
| 2022 | Homeowner's exemption | $81,236 Land $4,992 Building $76,244 | $203,090 Land $12,480 Building $190,610 |
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.
FEMA maps place 226 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 226 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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