425 Herrin Rd, Cornelia, GA 30531 Property Records

Habersham County property record for 425 Herrin Rd, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,140 sqft · built 2006
Lot Size	15.2 acres (665,597 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Nov 2022)
Tax Bill	$1,926 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Oct 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`027 107A`

Property Details

APN / Parcel Number

Primary APN	`027 107A`
Alternative APNs	`677364` `684996` `378401`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,140 sqft Heated Area
Gross Area	1,300 sqft
1st Floor Area	680 sqft
Upper Floors Area	460 sqft
Attic	Attic
Attic Area	460 sqft
Basement Area	220 sqft
Unfinished Basement	220 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	665,597 sqft (15.2 acres)
Porch	Slab
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	378401
Street Address	425 HERRIN RD
City	CORNELIA
State	GA
Zip	30531-4999
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	10-123 PB 43-147 DB 1323-918
Legal Subdivision	JAMES KOWALSKY & CHERYL KOWALS
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	1
Census Block	1023
Census Tract	603

Owner

Source: Habersham County records, as of September 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	425 HERRIN RD, CORNELIA, GA 30531-4999
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage RABUN COUNTY BANK
Oct 21, 2022	Warranty Deed, Transfer
Oct 21, 2022	Warranty Deed, Transfer · Conventional Mortgage RABUN COUNTY BANK
Aug 20, 2019	Warranty Deed, Transfer
Oct 6, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2022 · Amount on Record
Deed Sale	Nov 22, 2022 · Amount on Record
Prior Sale	Oct 6, 2017 · Amount on Record
Deed Document Number	20222902
Deed Book / Page	1323 / 918
Prior Transfer Date	Aug 20, 2019
Prior Transfer Doc	01199/1013
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	425 HERRIN RD, CORNELIA, GA 30531-4999
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 HERRIN RD, CORNELIA, GA 30531-4999

Mortgage

Document Number	0000001323/0000000920
Date	Nov 22, 2022
Book Page	0000001323/0000000920

Lender

Name	RABUN COUNTY BANK

Agreement

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

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Oct 21, 2022
Property Address	425 HERRIN RD, CORNELIA, GA 30531-4999
Document Number	001323/918
Book / Page	1323 / 918
Instrument Date	Oct 21, 2022
Instrument	2022-002902
Transaction Type	Transfer
Record Updated	Mar 19, 2024

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	425 HERRIN RD, CORNELIA, GA 30531-4999

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Oct 21, 2022
Property Address	425 HERRIN RD, CORNELIA, GA 30531-4999
Document Number	001323/918
Book / Page	1323 / 918
Instrument Date	Oct 21, 2022
Instrument	2022-002902
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	425 HERRIN RD, CORNELIA, GA 30531-4999

Mortgage

Document Number	0001323920
Date	Oct 21, 2022
Instrument	1323/920

Lender

Name	RABUN COUNTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2052

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 20, 2019
Property Address	425 HERRIN RD, CORNELIA, GA 30531-4999
Document Number	01199/1013
Book / Page	1199 / 1013
Instrument Date	Aug 20, 2019
Instrument	2019-001561
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	453 HART RD, DALLAS, GA 30157-5476

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Oct 6, 2017
Property Address	425 HERRIN RD, CORNELIA, GA 30531-4999
Document Number	001150/297
Book / Page	1150 / 297
Instrument Date	Oct 6, 2017
Instrument	2017-002009
Transaction Type	Transfer
Record Updated	Mar 19, 2024

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	300 COLUMBIA DR APT 1308, 1308, CAPE CANAVERAL, FL 32920-5102

Tax Assessment & Valuation

Source: Habersham County assessment roll, as of September 11, 2026

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
2026	$1,926.00 (+1.05%)	$165,325 (+7.12%) Land $91,045 Building $74,280	$413,312 (+7.12%) Land $227,612 Building $185,700
2025	$1,906.00	$154,335 (+55.89%) Land $85,089 Building $69,246	$385,837 (+55.89%) Land $212,722 Building $173,115
2023	Homeowner's exemption	$99,000 (+17.57%) Land $49,876 Building $49,124	$247,500 (+17.57%) Land $124,690 Building $122,810
2022	Homeowner's exemption	$84,204 Land $53,300 Building $30,904	$210,510 Land $133,250 Building $77,260

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · above 79% of Georgia
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
Windstream Cable · Fiber in parts of the area	1,000 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

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