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348 Cardinal Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 348 Cardinal Ln, Toccoa, GA 30577 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,300 sqft · built 2007
Lot Size0.24 acres (10,454 sqft)
OwnerIndividual Name on File
Last Sale$12,200 (Apr 1997)
Tax Bill$3,641 (2025)
Deeds & MortgagesApr 2026 Mortgage
Jul 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN056E 010

Property Details

APN / Parcel Number

Primary APN056E 010
Alternative APN
  • 269650

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area2,300 sqft Heated Area
Basement Area1,200 sqft
Finished Basement1,100 sqft
Unfinished Basement100 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2009
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialMetal
Lot Area10,454 sqft (0.24 acres)
Lot Dimensions150 ft deep x 75 ft wide
TerrainGentle Slope

Exterior Amenities

PorchSlab
Porch Area996 sqft
Utility Building120 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelElectric

Location & Zoning

Account Number269650
Street Address348 CARDINAL LN
CityTOCCOA
StateGA
Zip30577-9549
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 67 BLK R SEC 2 SHOREWOOD EST & CC
Legal SubdivisionSHOREWOOD
Legal BlockR
Legal Lot Number67
JurisdictionSTEPHENS GA
Township / Civil DivisionROCK CREEK
Census Block Group2
Census Block2027
Census Tract970201

Owner

Source: Stephens County records · APN 056E 010

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 RecordIndividual Name on File
Mailing Address348 CARDINAL LN, TOCCOA, GA 30577-9549
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 23, 2026Deed of Trust, Mortgage
CAPITAL LENDING
Jul 02, 2021Deed of Trust, Mortgage · Conventional Mortgage
US BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 01, 1997 · Amount on Record
Deed SaleApr 01, 1997 · Amount on Record
Prior SaleApr 01, 1997
Last Transfer DateJun 10, 2024
Transfer Doc0013700003
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTEPHENS GA
Recording DateApr 23, 2026
Property Address348 CARDINAL LN, TOCCOA, GA 30577-9549
Document Number1447000357
Book / Page1447 / 357
Instrument DateApr 16, 2026
Transaction TypeMortgage
Record UpdatedJul 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address348 CARDINAL LN, TOCCOA, GA 30577-9549

Mortgage

Document Number1447000357,
DateApr 23, 2026
Book Page1447/357
Lender
NameCAPITAL LENDING
Agreement
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate6.22%
Max Rate-1%

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTEPHENS GA
Property Address348 CARDINAL LN, TOCCOA, GA 30577-9549
Transaction TypeMortgage
Record UpdatedFeb 09, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address348 CARDINAL LN, TOCCOA, GA 30577-9549

Mortgage

Document Number0012570000000480
DateJul 02, 2021
Book Page0000001257/0000000480
Lender
NameUS BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateGeorgia
CountyStephens County
Unified School DistrictStephens County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,641.00 (+13.96%) Homeowner's exemption$155,088 (+41.84%) Land $34,500 Building $120,588$387,719 (+41.84%) Land $86,250 Building $301,469
2023$3,195.00 (+11.6%) Homeowner's exemption$109,339 (+13.66%) Land $34,500 Building $74,839$273,348 (+13.66%) Land $86,250 Building $187,098
2022$2,863.00 Homeowner's exemption$96,200 Land $25,650 Building $70,550$240,499 Land $64,125 Building $176,374

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskModerate
above 40% of the US · above 26% of Georgia
Wildfire LikelihoodAbout 1 in 1,471 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderTechnologyDownload / Upload (Mbps)
LintelCable1,000 / 50

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

Mobile Coverage

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

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