228 Pine Grove Rd, Cornelia, GA 30531 Property Records

Habersham County property record for 228 Pine Grove Rd, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,568 sqft · built 1987
Lot Size	4.72 acres (205,603 sqft)
Owner	Company Name on Record
Last Sale	$255,000 (Apr 2006)
Tax Bill	$2,782 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045 010`

Property Details

APN / Parcel Number

Primary APN	`045 010`
Alternative APNs	`653132` `385705`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,568 sqft Heated Area
Gross Area	4,970 sqft
1st Floor Area	1,260 sqft
Upper Floors Area	938 sqft
Attic	Attic
Attic Area	938 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2000
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	205,603 sqft (4.72 acres)
Lot Width	430 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	480 sqft
Porch	Slab
Porch Area	476 sqft
Deck Area	90 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	385705
Street Address	228 PINE GROVE RD
City	CORNELIA
State	GA
Zip	30531-4974
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	10-120 LT16-17 PB 21-204 1344388
Legal Subdivision	PINE GROVE
Legal Lot Number	16,17
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	2
Census Block	2025
Census Tract	603

Owner

Source: Habersham County records, as of September 11, 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	228 PINE GROVE RD, CORNELIA, GA 30531-4974
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage SOUTH STATE BANK
Aug 17, 2023	Warranty Deed, Transfer
Jul 10, 2018	Deed of Trust, Mortgage · Loan Modification SOUTH STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2006 · Amount on Record
Deed Sale	Apr 1, 2006 · Amount on Record
Deed Book / Page	750 / 912
Last Transfer Date	Aug 17, 2023
Transfer Doc	001344/388
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Recording Date	Apr 14, 2026
Property Address	228 PINE GROVE RD, CORNELIA, GA 30531-4974
Document Number	0000001429/0000000567
Book / Page	1429 / 567
Instrument Date	Apr 13, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 PINE GROVE RD, CORNELIA, GA 30531-4974

Mortgage

Document Number	1429000567,
Date	Apr 14, 2026
Book Page	1429/567

Lender

Name	SOUTH STATE BANK

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Apr 1, 2029

Interest

Rate	6.11%
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 17, 2023
Property Address	228 PINE GROVE RD, CORNELIA, GA 30531-4974
Document Number	001344/388
Book / Page	1344 / 388
Instrument Date	Aug 17, 2023
Transaction Type	Transfer
Record Updated	Sep 25, 2023

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	228 PINE GROVE RD, CORNELIA, GA 30531-4974

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	228 PINE GROVE RD, CORNELIA, GA 30531-4974
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1170/171
Date	Jul 10, 2018
Book Page	1170/171

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Type	Loan Modification
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2028

Tax Assessment & Valuation

Source: Habersham County assessment roll, as of September 11, 2026

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
2026	$2,782.00 (-5.73%) Homeowner's exemption	$178,860 (+1.04%) Land $38,124 Building $140,736	$447,151 (+1.04%) Land $95,311 Building $351,840
2025	$2,951.00 Homeowner's exemption	$177,027 (+18.04%) Land $35,630 Building $141,397	$442,568 (+18.04%) Land $89,076 Building $353,492
2023	Homeowner's exemption	$149,972 (+51.6%) Land $31,944 Building $118,028	$374,930 (+51.6%) Land $79,860 Building $295,070
2022	Homeowner's exemption	$98,928 Land $14,640 Building $84,288	$247,320 Land $36,600 Building $210,720

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2020)
Most Recent Claim	Oct 2020 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 56% of the US · above 82% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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