414 Ridgeway Cir, Cornelia, GA 30531 Property Records

Habersham County property record for 414 Ridgeway Cir, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,433 sqft · built 1971
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$159,900 (May 2018)
Tax Bill	$2,327 (2023)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`112A062`

Property Details

APN / Parcel Number

Primary APN	`112A062`
Alternative APN	`675226`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,433 sqft Heated Area
Gross Area	3,059 sqft
1st Floor Area	1,438 sqft
Basement Area	675 sqft
Finished Basement	675 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	133 ft deep x 217 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	176 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	675226
Street Address	414 RIDGEWAY CIR
City	CORNELIA
State	GA
Zip	30531-2258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	10-140 RIDGEWOOD E DB 1167-659
Legal Subdivision	RIDGEWOOD ESTATES SUB
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	1
Census Block	1057
Census Tract	501

Owner

Source: Habersham County records, as of March 18, 2024

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
Co-owner	Co-owner on Record
Mailing Address	414 RIDGEWAY CIR, CORNELIA, GA 30531-2258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL
Jun 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK
May 14, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2018 · Amount on Record
Deed Sale	May 14, 2018 · Amount on Record
Deed Document Number	0001167659
Deed Book / Page	1167 / 659
Record Updated	Jun 7, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	414 RIDGEWAY CIR, CORNELIA, GA 30531-2258
Transaction Type	Mortgage
Record Updated	Apr 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 RIDGEWAY CIR, CORNELIA, GA 30531-2258

Mortgage

Document Number	0000001298/0000000327
Date	Mar 11, 2022
Book Page	0000001298/0000000327

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	414 RIDGEWAY CIR, CORNELIA, GA 30531-2258
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1167/660
Date	Jun 8, 2018
Book Page	1167/660

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	May 14, 2018
Property Address	414 RIDGEWAY CIR, CORNELIA, GA 30531-2258
Document Number	001167/659
Book / Page	1167 / 659
Instrument Date	May 14, 2018
Instrument	2018-000842
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Amount	Amount Recorded
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	414 RIDGEWAY CIR, CORNELIA, GA 30531-2258

Tax Assessment & Valuation

Source: Habersham County assessment roll, as of July 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,327.00 (+14.74%)	$89,660 (+14.73%) Land $8,000 Building $81,660	$224,150 (+14.73%) Land $20,000 Building $204,150
2022	$2,028.00	$78,152 Land $8,000 Building $70,152	$195,380 Land $20,000 Building $175,380

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
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	Moderate above 44% of the US · above 42% of Georgia
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable	1,000 / 25
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: TrailWave.

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