Habersham County property record for 410 Garner Rd, Cornelia, GA 30531
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,218 sqft · built 2000 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (May 2021) |
| Tax Bill | $2,056 (2026) |
| Deeds & Mortgages | May 2020 Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026 050D |
| Primary APN | 026 050D |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,218 sqft Heated Area |
| Gross Area | 1,430 sqft |
| 1st Floor Area | 1,218 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 65,340 sqft (1.5 acres) |
| Lot Width | 160 ft Width |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 20 sqft |
| Patio Area | 116 sqft |
| Storage Building | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 377773 |
|---|---|
| Street Address | 410 GARNER RD |
| City | CORNELIA |
| State | GA |
| Zip | 30531-6913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LI |
| Legal Description | 10-90 LT 4 PB 48-237 1260-664 |
| Legal Subdivision | LANTERN RDG |
| Legal Lot Number | 4 |
| Jurisdiction | HABERSHAM GA |
| Township / Civil Division | CORNELIA |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 603 |
410 Garner Rd is owned and occupied by an individual who bought it in May 2021.
Source: Habersham County records, as of September 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 410 GARNER RD, CORNELIA, GA 30531-6913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 7, 2020 | Deed of Trust, Mortgage PEACH STATE BANK AND TRUST |
| May 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL |
| May 3, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 3, 2021 · Amount on File |
| Deed Sale | May 3, 2021 · Amount on File |
| Prior Sale | Jul 29, 2010 |
| Deed Document Number | 20211029 |
| Deed Book / Page | 1260 / 664 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Property Address | 410 GARNER RD, CORNELIA, GA 30531-6913 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 410 GARNER RD, CORNELIA, GA 30531-6913 |
| Document Number | 0000001219/0000001112 |
|---|---|
| Date | May 7, 2020 |
| Book Page | 0000001219/0000001112 |
| Name | PEACH STATE BANK AND TRUST |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Property Address | 410 GARNER RD, CORNELIA, GA 30531-6913 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 410 GARNER RD, CORNELIA, GA 30531-6913 |
| Document Number | 0000001260/0000000667 |
|---|---|
| Date | May 7, 2021 |
| Book Page | 0000001260/0000000667 |
| Name | HOMESTAR FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | May 3, 2021 |
| Property Address | 410 GARNER RD, CORNELIA, GA 30531-6913 |
| Document Number | 1260/664 |
| Book / Page | 1260 / 664 |
| Instrument Date | May 3, 2021 |
| Instrument | 2021-001029 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 GARNER RD, CORNELIA, GA 30531-6913 |
Source: Habersham County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Habersham County |
| Unified School District | Habersham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,056.00 (-0.15%) | $90,185 (+5.8%) Land $12,000 Building $78,185 | $225,462 (+5.8%) Land $30,000 Building $195,462 |
| 2025 | $2,059.00 (+12.88%) | $85,238 (+21.28%) Land $12,000 Building $73,238 | $213,096 (+21.28%) Land $30,000 Building $183,096 |
| 2023 | $1,824.00 (+13.5%) | $70,284 (+13.47%) Land $12,000 Building $58,284 | $175,710 (+13.47%) Land $30,000 Building $145,710 |
| 2022 | $1,607.00 | $61,940 Land $12,000 Building $49,940 | $154,850 Land $30,000 Building $124,850 |
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.
FEMA maps place 410 Garner Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2020.
Source: FEMA National Flood Hazard Layer, effective January 5, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (2020) |
| Most Recent Claim | Oct 2020 · river or lake flooding |
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 risk around 410 Garner Rd is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 51% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · Cable, DSL in parts of the area | 2,000 / 2,000 |
| TrailWave Fiber | 1,000 / 1,000 |
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