281 Ridgeway Cir, Cornelia, GA 30531 Property Records

Habersham County property record for 281 Ridgeway Cir, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,250 sqft · built 1971
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Apr 2025)
Tax Bill	$2,637 (2025)
Deeds & Mortgages	Jun 2018 Mortgage May 2017 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`112A068A`

Property Details

APN / Parcel Number

Primary APN	`112A068A`
Alternative APNs	`681942` `517882`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,250 sqft Heated Area
Gross Area	4,344 sqft
1st Floor Area	2,250 sqft
Basement Area	1,706 sqft
Unfinished Basement	1,706 sqft
Sunroom	Sunroom
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2001
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	200 ft deep x 125 ft wide

Exterior Amenities

Porch	Slab
Porch Area	272 sqft
Deck Area	32 sqft
Storage Building	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	517882
Street Address	281 RIDGEWAY CIR
City	CORNELIA
State	GA
Zip	30531-2261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	10-140 RIDGEWOOD E LT 13 DB 1275-282
Legal Lot Number	13
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	1
Census Block	1056
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	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2018	Deed of Trust, Mortgage PEACH STATE BANK & TRUST
May 1, 2017	Deed of Trust, Mortgage SOUTH STATE BANK
Aug 13, 2021	Warranty Deed, Transfer · Conventional Mortgage KNOCK LENDING
Aug 13, 2021	Warranty Deed, Transfer
Apr 3, 2019	Quit Claim Deed, Transfer Quitclaim
Mar 29, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESIDE FINANCIAL
May 10, 2018	Warranty Deed, Transfer
May 10, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2025 · Amount on Record
Deed Sale	Apr 18, 2025 · Amount on Record
Prior Sale	Aug 13, 2021 · Amount on Record
Deed Book / Page	1395 / 765
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001168/177
Date	Jun 15, 2018
Book Page	1168/177

Lender

Name	PEACH STATE BANK & TRUST
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jun 1, 2019

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001137/985
Date	May 1, 2017
Book Page	1137/985

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	36 Months
Due	May 1, 2020

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 13, 2021
Property Address	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261
Document Number	001275/251
Book / Page	1275 / 251
Instrument Date	Aug 13, 2021
Instrument	2021-002003
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	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001275/0000000252
Date	Aug 24, 2021
Book Page	0000001275/0000000252

Lender

Name	KNOCK LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 13, 2021
Property Address	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261
Document Number	001275/282
Book / Page	1275 / 282
Instrument Date	Aug 13, 2021
Instrument	2021-002004
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	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HABERSHAM GA
Recording Date	Apr 3, 2019
Property Address	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261
Document Number	001189/199
Book / Page	1189 / 199
Instrument Date	Apr 3, 2019
Instrument	2019-000601
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 291, DEMOREST, GA 30535-0291

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Mar 29, 2019
Property Address	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261
Document Number	001188/600
Book / Page	1188 / 600
Instrument Date	Mar 29, 2019
Instrument	2019-000519
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	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261

Mortgage

Document Number	0000001188/0000000601
Date	Apr 2, 2019
Book Page	0000001188/0000000601

Lender

Name	HOMESIDE FINANCIAL

Agreement

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

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	May 10, 2018
Property Address	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261
Document Number	001168/155
Book / Page	1168 / 155
Instrument Date	May 10, 2018
Instrument	2018-000818
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	PO BOX 291, DEMOREST, GA 30535-0291

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	May 10, 2018
Property Address	281 RIDGEWAY CIR, CORNELIA, GA 30531-2261
Document Number	001177/104
Book / Page	1177 / 104
Instrument Date	May 10, 2018
Instrument	2018-001856
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	257 RIDGEWAY CIR, CORNELIA, GA 30531-2261

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	$2,637.00 Homeowner's exemption	$121,132 (-7.55%) Land $16,000 Building $105,132	$302,829 (-7.55%) Land $40,000 Building $262,829
2023	Homeowner's exemption	$131,028 (+23.61%) Land $8,000 Building $123,028	$327,570 (+23.61%) Land $20,000 Building $307,570
2022	Homeowner's exemption	$106,000 Land $8,000 Building $98,000	$265,000 Land $20,000 Building $245,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 48% of the US · above 58% 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.

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 77 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.

Nearby Properties on Ridgeway Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures