Stephens County property record for 432 Cardinal Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 840 sqft · built 1976 |
| Lot Size | 0.319 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $4,000 (Apr 1981) |
| Tax Bill | $786 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 057E 155 |
| Primary APN | 057E 155 |
|---|---|
| Alternative APN |
|
| Building Area | 840 sqft |
|---|---|
| Fireplaces | 1 Fireplace |
| Fireplace | Prefabricated |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Wood |
| Lot Area | 13,939 sqft (0.319 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Terrain | Gentle Slope |
| Garage Area | 736 sqft |
| Parking Spaces | 3 Parking Spaces |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Account Number | 269300 |
|---|---|
| Old Parcel Number | 057E 155 |
| Street Address | 432 CARDINAL LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-9550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 60 BLK R SEC 2 SHOREWOOD EST & CC |
| Legal Subdivision | SHOREWOOD |
| Legal Block | R |
| Legal Lot Number | 60 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | ROCK CREEK |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 970201 |
432 Cardinal Ln is owned by an individual who bought it in April 1981.
Source: Stephens County records, as of March 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 | 374 CARDINAL LN, TOCCOA, GA 30577-9549 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 1981 · Amount on File |
| Deed Sale | Apr 16, 1981 · Amount on File |
| Deed Document Number | 0000160249 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 432 Cardinal Ln was $786.
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $786.00 | $28,665 Land $23,345 Building $5,320 | $71,663 Land $58,363 Building $13,300 |
| 2023 | $823.00 | $27,665 Land $23,345 Building $4,320 | $69,163 Land $58,363 Building $10,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 432 Cardinal Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 |
| Nearby Flood Policies | 2 in force |
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 432 Cardinal Ln is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 73% of Georgia |
|---|---|
| Wildfire Likelihood | 0.07% 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.
Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| HTC Cable | 1,000 / 50 |
4G LTE (outdoors only), no 5G reported
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