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384 Cardinal Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 384 Cardinal Ln, Toccoa, GA 30577 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Architecture StyleRanch
Year BuiltBuilt 2010
Square Footage1,794 sqft Heated Area
Lot Size12,197 sqft (0.28 acres)
Last Sale$598,000 (2025)
Tax Bill$3,825.00 (2025)

Property Details

APN / Parcel Number

Primary APN057E 152
Alternative APN
  • 269450

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms6 Rooms
Building Area1,794 sqft Heated Area
Basement Area1,040 sqft Basement
Finished Basement754 sqft Finished
Unfinished Basement286 sqft Unfinished
Stories1 Stories
Primary FlooringHardwood Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2010
Architectural StyleRanch Style
Exterior MaterialBrick Exterior
Construction TypeFrame Construction
Roof ConstructionGable Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area12,197 sqft (0.28 acres)
Depth X Width150 ft x 85 ft Depth x Width

Exterior Amenities

Deck Area40 sqft Deck
Patio Area208 sqft Patio
Porch Area208 sqft Porch
TopographyGentle Slope Topography
Boat AccessBoat Access

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Account Number269450
Street Address384 CARDINAL LN
CityTOCCOA
StateGA
Zip30577-9549
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 63 BLK R SEC 2 SHOREWOOD EST & CC
Legal SubdivisionSHOREWOOD
Legal BlockR
Legal Lot Number63
JurisdictionSTEPHENS GA
Minor Civil DivisionROCK CREEK
Census Blockgroup2
Census Block2027
Census Tract970201

Owner

Source: Stephens County records · APN 057E 152

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 Record2 Individual Names on File
Mailing Address5226 HILL RD NW, ACWORTH, GA 30101-6950
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 28, 2025Limited Warranty Deed, Transfer · Conventional Mortgage
UNITED TRUST BANK
Jun 24, 2020Grant Deed, Transfer · Conventional Mortgage
MOVEMENT MTG
Jun 24, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Oct 18, 2017Grant Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 28, 2025 · Amount on Record
Deed SaleAug 28, 2025 · Amount on Record
Prior SaleAug 22, 2024 · Amount on Record
Deed Doc Number20252693
Deed Book / Page1420 / 270
Prior Transfer DateJun 22, 2020
Prior Transfer Doc0012130513
Record RefreshedJun 08, 2026

August 2025: Limited Warranty Deed, Transfer

Document TypeLimited Warranty Deed
JurisdictionSTEPHENS GA
Recording DateAug 28, 2025
Property Address384 CARDINAL LN, TOCCOA, GA 30577-9549
Document Number0014200270
Book / Page1420 / 270
Instrument DateAug 27, 2025
InstrumentD2025002693
Transaction TypeTransfer
Record UpdatedSep 29, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5.98
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5226 HILL RD NW, ACWORTH, GA 30101-6950

Mortgage

Document NumberD2025002694
DateAug 28, 2025
InstrumentD2025002694
Lender
NameUNITED TRUST BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term353 Months
DueJan 01, 2055

June 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSTEPHENS GA
Recording DateJun 24, 2020
Property Address384 CARDINAL LN, TOCCOA, GA 30577-9549
Document Number0012130487
Book / Page001213 / 000487
Instrument DateJun 22, 2020
Transaction TypeTransfer
Record UpdatedJul 17, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$305.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address384 CARDINAL LN TOCCOA GA 305779549, TOCCOA, GA 30577-9549

Mortgage

Document Number12130489
DateJun 24, 2020
Book Page001213/000489
Lender
NameMOVEMENT MTG
TypeMortgage Company
AddressINDIAN LAND, SC 29707
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 23, 2050

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSTEPHENS GA
Recording DateJun 24, 2020
Property Address384 CARDINAL LN, TOCCOA, GA 30577-9549
Document Number0012130513
Book / Page001213 / 000513
Instrument DateJun 22, 2020
Transaction TypeTransfer
Record UpdatedJul 17, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address384 CARDINAL LN TOCCOA GA 305779549, TOCCOA, GA 30577-9549

October 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSTEPHENS GA
Recording DateOct 18, 2017
Property Address384 CARDINAL LN, TOCCOA, GA 30577-9549
Document Number0011340085
Book / Page001134 / 000085
Instrument DateOct 10, 2017
Transaction TypeTransfer
Record UpdatedDec 05, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$222.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address384 CARDINAL LN TOCCOA GA 305779549, TOCCOA, GA 30577-9549

Mortgage

Document Number11340086
DateOct 18, 2017
Book Page001134/000086
Lender
NameHOMEBRIDGE FIN'L SVCS INC
TypeFunding / Finance Company
AddressISELIN, NJ 08830
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term240 Months
DueOct 17, 2037

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$3,825.00 (+19.49%)$139,363 (+32.57%) Land $39,100 Building $100,263$348,408 (+32.57%) Land $97,750 Building $250,658
2024$3,201.00 (+6.95%)$105,123 (+4.54%) Land $39,100 Building $66,023$262,808 (+4.54%) Land $97,750 Building $165,058
2023$2,993.00 (+15.6%)$100,560 (+15.6%) Land $39,100 Building $61,460$251,400 (+15.6%) Land $97,750 Building $153,650
2022$2,589.00$86,991 Land $29,070 Building $57,921$217,477 Land $72,675 Building $144,802

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

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; lenders make the official flood determination.

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