389 Modoc Dr, Cornelia, GA 30531 Property Records

Habersham County property record for 389 Modoc Dr, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,672 sqft · built 1986
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Apr 2021)
Tax Bill	$4,768 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`085C025`

Property Details

APN / Parcel Number

Primary APN	`085C025`
Alternative APNs	`681176` `395676`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,672 sqft Heated Area
Gross Area	3,646 sqft
1st Floor Area	1,026 sqft
Upper Floors Area	646 sqft
Attic	Attic
Attic Area	646 sqft
Basement Area	1,026 sqft
Unfinished Basement	1,026 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2011
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Lot Width	120 ft Width
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	392 sqft
Porch	Slab
Porch Area	190 sqft
Deck Area	380 sqft
Patio Area	380 sqft
Storage Building	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	395676
Street Address	389 MODOC DR
City	CORNELIA
State	GA
Zip	30531-2136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	10-138 LOT 21 PB 16-283 1260-604
Legal Subdivision	SHALLOW CRK
Legal Lot Number	21
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	1
Census Block	1036
Census Tract	501

Owner

Source: Habersham County records, as of August 17, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	389 MODOC DR, CORNELIA, GA 30531-2136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Aug 28, 2023	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Apr 19, 2024	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Apr 28, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOMESTAR FINANCIAL
Sep 1, 2020	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2021 · Amount on Record
Deed Sale	Apr 28, 2021 · Amount on Record
Prior Sale	Sep 1, 2020 · Amount on Record
Deed Document Number	2021987
Deed Book / Page	1260 / 604
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Recording Date	Jul 15, 2026
Property Address	389 MODOC DR, CORNELIA, GA 30531-2136
Document Number	1440000392
Book / Page	1440 / 392
Instrument Date	Jul 2, 2026
Transaction Type	Mortgage
Record Updated	Aug 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 MODOC DR, CORNELIA, GA 30531-2136

Mortgage

Document Number	1440000392,
Date	Jul 15, 2026
Book Page	1440/392

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2051

Interest

Rate	6.48%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	389 MODOC DR, CORNELIA, GA 30531-2136
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 MODOC DR, CORNELIA, GA 30531-2136

Mortgage

Document Number	0000001345/0000000615
Date	Aug 28, 2023
Book Page	0000001345/0000000615

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2051

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	389 MODOC DR, CORNELIA, GA 30531-2136
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 MODOC DR, CORNELIA, GA 30531-2136

Mortgage

Document Number	0000001363/0000000405
Date	Apr 19, 2024
Book Page	0000001363/0000000405

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jan 1, 2051

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Apr 28, 2021
Property Address	389 MODOC DR, CORNELIA, GA 30531-2136
Document Number	001260/604
Book / Page	1260 / 604
Instrument Date	Apr 28, 2021
Instrument	2021-000987
Transaction Type	Subdivision Related 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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 MODOC DR, CORNELIA, GA 30531-2136

Mortgage

Document Number	0000001260/0000000611
Date	May 7, 2021
Book Page	0000001260/0000000611

Lender

Name	HOMESTAR FINANCIAL

Agreement

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

September 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	HABERSHAM GA
Recording Date	Sep 1, 2020
Property Address	389 MODOC DR, CORNELIA, GA 30531-2136
Document Number	001237/880
Book / Page	1237 / 880
Instrument Date	Sep 1, 2020
Instrument	2020-002240
Transaction Type	Foreclosure
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	338 OLDS MOUNTAIN PEAK RD, RABUN GAP, GA 30568-9901

Tax Assessment & Valuation

Source: Habersham County assessment roll, as of September 8, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Habersham County
Municipality	Cornelia City
Unified School District	Habersham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,768.00 (+58.51%)	$141,669 (+22.23%) Land $16,000 Building $125,669	$354,173 (+22.23%) Land $40,000 Building $314,173
2023	$3,008.00 (+14.5%)	$115,904 (+14.48%) Land $12,000 Building $103,904	$289,760 (+14.48%) Land $30,000 Building $259,760
2022	$2,627.00	$101,248 Land $12,000 Building $89,248	$253,120 Land $30,000 Building $223,120

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	Low lower than 63% of the US · lower than 84% of Georgia
Wildfire Likelihood	0.05% 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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable	1,000 / 25
Starlink Satellite	280 / 30

May also be available: TrailWave, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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