2928 Cardinal Trce, Duluth, GA 30096 Property Records

Gwinnett County property record for 2928 Cardinal Trce, Duluth, GA 30096

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,401 sqft · built 1988
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Tax Bill	$1,009 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6-263-315`

Property Details

APN / Parcel Number

Primary APN	`6-263-315`
Alternative APN	`R6263 315`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,401 sqft Living Area
1st Floor Area	1,134 sqft
Basement Area	1,134 sqft
Finished Basement	700 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Lot Area	13,068 sqft (0.3 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	160 sqft
Deck Area	155 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2928 CARDINAL TRCE
City	DULUTH
State	GA
Zip	30096-3964
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R75-SINGLE FAM RES
Legal Description	L10 BA CARDINAL TRACE
Legal Subdivision	CARDINAL TRACE
Legal Block	A
Legal Lot Number	10
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	2
Census Block	2011
Census Tract	50218

Owner

2928 Cardinal Trce is owned and occupied by an individual who acquired it in April 2004.

Source: Gwinnett County records, as of November 17, 2025

Owner of Record	Individual Name on File
Mailing Address	2928 CARDINAL TRCE, DULUTH, GA 30096-3964
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Nov 23, 2021	Deed of Trust, Mortgage · Line of Credit CDC FEDERAL CREDIT UNION
Jul 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE
Feb 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2004
Deed Sale	Apr 9, 2004
Deed Document Number	0003787631
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Recording Date	Aug 31, 2026
Property Address	2928 CARDINAL TRCE, DULUTH, GA 30096-3964
Document Number	6272000470
Book / Page	62729 / 470
Instrument Date	Aug 24, 2026
Transaction Type	Mortgage
Record Updated	Sep 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2928 CARDINAL TRCE, DULUTH, GA 30096-3964

Mortgage

Document Number	6272000470,
Date	Aug 31, 2026
Book Page	62729/470

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	2928 CARDINAL TRCE, DULUTH, GA 30096-3964
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2928 CARDINAL TRCE, DULUTH, GA 30096-3964

Mortgage

Document Number	0594400846
Date	Nov 23, 2021
Book Page	0000059440/0000000846

Lender

Name	CDC FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2031

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	2928 CARDINAL TRCE, DULUTH, GA 30096-3964
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2928 CARDINAL TRCE, DULUTH, GA 30096-3964

Mortgage

Document Number	0606840184
Date	Jul 6, 2023
Book Page	0000060684/0000000184

Lender

Name	PHH MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	2928 CARDINAL TRCE, DULUTH, GA 30096-3964
Document Number	0549560363
Book / Page	054956 / 000363
Instrument Date	Feb 16, 2017
Transaction Type	Mortgage
Record Updated	Apr 19, 2017
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2928 CARDINAL TRCE DULUTH GA 300963964, DULUTH, GA 30096-3964

Mortgage

Document Number	0549560363
Date	Feb 28, 2017
Book Page	054956/000363

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 27, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 2928 Cardinal Trce was $1,009 with exemptions applied.

Source: Gwinnett County assessment roll, as of July 1, 2024

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,009.00	$146,320 Land $26,000 Building $120,320	$365,800 Land $65,000 Building $300,800
2023	$2,409.00	$159,160 Land $26,000 Building $133,160
2022			$397,900 Land $65,000 Building $332,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2928 Cardinal Trce in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 7, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force

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

Wildfire risk around 2928 Cardinal Trce is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 98.5% of Georgia
Wildfire Likelihood	0.02% 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	GWINNETT CO. DEPT. OF WATER RESOURCES serves 975,000 people · EPA ID GA1350004
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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