302 Cardinal Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 302 Cardinal Ln, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,696 sqft · built 1995
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$603,000 (Jan 2023)
Tax Bill	$5,737 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056E 014`

Property Details

APN / Parcel Number

Primary APN	`056E 014`
Alternative APN	`269850`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,696 sqft Heated Area
Basement Area	440 sqft
Unfinished Basement	440 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	150 ft deep x 115 ft wide
Terrain	Gentle Slope
Garage Type	Carport
Carport	Carport
Carport Area	460 sqft
Porch	Porch
Porch Area	472 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	269850
Old Parcel Number	056E 014
Street Address	302 CARDINAL LN
City	TOCCOA
State	GA
Zip	30577-9549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 71 BLK R SEC 2 SHOREWOOD EST & CC
Legal Subdivision	SHOREWOOD
Legal Block	R
Legal Lot Number	71
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	2
Census Block	2027
Census Tract	970201

Owner

Source: Stephens County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	176 POWELL ST SE, ATLANTA, GA 30316-1168
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2023	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL
Jan 6, 2023	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL
Sep 16, 2020	Grant Deed, Transfer · Conventional with PMI HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 6, 2023 · Amount on Record
Deed Sale	Jan 6, 2023 · Amount on Record
Prior Sale	Sep 2, 2020 · Amount on Record
Deed Document Number	0001319257
Deed Book / Page	1319 / 257
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 6, 2023
Property Address	302 CARDINAL LN, TOCCOA, GA 30577-9549
Document Number	0013190257
Book / Page	1319 / 257
Instrument Date	Jan 6, 2023
Instrument	2023-000013
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	176 POWELL ST SE, ATLANTA, GA 30316-1168

Mortgage

Document Number	0000000020
Date	Jan 6, 2023
Instrument	000020

Lender

Name	GENEVA FINANCIAL

Agreement

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

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 6, 2023
Property Address	302 CARDINAL LN, TOCCOA, GA 30577-9549
Document Number	0013190257
Book / Page	1319 / 257
Instrument Date	Jan 6, 2023
Instrument	2023-000013
Transaction Type	Transfer
Record Updated	Jan 27, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	176 POWELL ST SE, ATLANTA, GA 30316-1168

Mortgage

Document Number	0013190000000260
Date	Jan 9, 2023
Book Page	0000001319/0000000260
Instrument	000020

Lender

Name	GENEVA FINANCIAL

Agreement

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

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 16, 2020
Property Address	302 CARDINAL LN, TOCCOA, GA 30577-9549
Document Number	0012220479
Book / Page	001222 / 000479
Instrument Date	Sep 2, 2020
Transaction Type	Transfer
Record Updated	Sep 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$218.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	302 CARDINAL LN TOCCOA GA 305779549, TOCCOA, GA 30577-9549

Mortgage

Document Number	12220481
Date	Sep 16, 2020
Book Page	001222/000481

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,737.00 (+32.62%)	$209,031 (+43.85%) Land $47,035 Building $161,996	$522,578 (+43.85%) Land $117,588 Building $404,990
2023	$4,326.00	$145,313 Land $47,035 Building $98,278	$363,284 Land $117,588 Building $245,696

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 September 26, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	2 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Georgia
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lintel Cable	1,000 / 50

Cell Coverage

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

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