276 Cardinal Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 276 Cardinal Ln, Toccoa, GA 30577 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 1991
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$256,000 (Jan 2020)
Tax Bill	$3,537 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056E 017`

Property Details

APN / Parcel Number

Primary APN	`056E 017`
Alternative APN	`270000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,196 sqft Heated Area
Basement Area	276 sqft
Unfinished Basement	276 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	384 sqft
Carport	Carport
Carport Area	384 sqft

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Deck Area	485 sqft
Patio Area	597 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	270000
Street Address	276 CARDINAL LN
City	TOCCOA
State	GA
Zip	30577
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 74 BLK R SEC 2 SHOREWOOD EST & CC
Legal Subdivision	SHOREWOOD
Legal Block	R
Legal Lot Number	74
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	2
Census Block	2026
Census Tract	970201

Owner

Source: Stephens County records · APN 056E 017

Assessment roll updated March 12, 2026 · Last verified April 2026

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 File
Mailing Address	615 SW SWEETBREEZE DR, LAKE CITY, FL 32024-0604
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 02, 2020 · Amount on Record
Deed Sale	Jan 02, 2020 · Amount on Record
Prior Sale	Sep 28, 2007 · Amount on Record
Deed Document Number	202012
Deed Book / Page	1198 / 378
Prior Transfer Date	Jan 18, 2006
Prior Transfer Doc	0007860069
Record Updated	Jun 08, 2026

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 07, 2020
Property Address	276 CARDINAL LN, TOCCOA, GA 30577
Document Number	0011980378
Book / Page	001198 / 000378
Instrument Date	Jan 02, 2020
Transaction Type	Transfer
Record Updated	Jan 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$256.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 CARDINAL LN TOCCOA GA 30577, TOCCOA, GA 30577

Mortgage

Document Number	11980380
Date	Jan 07, 2020
Book Page	001198/000380

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 06, 2050

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,537.00 (+26.23%)	$128,886 (+36.9%) Land $34,500 Building $94,386	$322,215 (+36.9%) Land $86,250 Building $235,965
2023	$2,802.00 (+14.37%)	$94,145 (+14.36%) Land $34,500 Building $59,645	$235,363 (+14.36%) Land $86,250 Building $149,113
2022	$2,450.00	$82,322 Land $25,650 Building $56,672	$205,805 Land $64,125 Building $141,680

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579702012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 79 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lintel	Cable	1,000 / 50

Availability varies by address; speeds are provider-advertised maximums, not measured.