Habersham County property record for 437 Homer Stephens Rd, Cornelia, GA 30531
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 1,113 sqft · built 2003 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Sep 2025) |
| Tax Bill | $1,810 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026 103B |
| Primary APN | 026 103B |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,113 sqft Heated Area |
| Gross Area | 1,456 sqft |
| 1st Floor Area | 1,113 sqft |
| Flooring | Parquet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Width | 161 ft Width |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Deck Area | 112 sqft |
| Patio Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 377674 |
|---|---|
| Street Address | 437 HOMER STEPHENS RD |
| City | CORNELIA |
| State | GA |
| Zip | 30531-4564 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | LI |
| Legal Description | 10-62 DB 1411-220 |
| Jurisdiction | HABERSHAM GA |
| Township / Civil Division | CORNELIA |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 603 |
437 Homer Stephens Rd, a rural home, is owned and occupied by an individual who bought it in September 2025.
Source: Habersham County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4461 UNION CHURCH RD, FLOWERY BRANCH, GA 30542-3655 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2025 · Amount on File |
| Deed Sale | Sep 19, 2025 · Amount on File |
| Deed Book / Page | 1411 / 220 |
| Record Updated | Oct 29, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | Sep 19, 2025 |
| Property Address | 437 HOMER STEPHENS RD, CORNELIA, GA 30531-4564 |
| Document Number | 001411/220 |
| Book / Page | 1411 / 220 |
| Instrument Date | Sep 15, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1.60 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4461 UNION CHURCH RD, FLOWERY BRANCH, GA 30542-3655 |
| Document Number | 0001411222 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 1411/222 |
| Name | UNITED WHOLESALE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Jan 1, 2055 |
The 2026 property tax bill for 437 Homer Stephens Rd was $1,810 with a homeowner's exemption, down 4.8% from the year before.
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 | $1,810.00 (-4.84%) Homeowner's exemption | $84,441 (+7.25%) Land $17,077 Building $67,364 | $211,102 (+7.25%) Land $42,693 Building $168,409 |
| 2025 | $1,902.00 | $78,735 Land $15,960 Building $62,775 | $196,838 Land $39,900 Building $156,938 |
| 2023 | $1,439.00 (+24.05%) | $55,464 (+24.01%) Land $10,720 Building $44,744 | $138,660 (+24.01%) Land $26,800 Building $111,860 |
| 2022 | $1,160.00 | $44,724 Land $6,432 Building $38,292 | $111,810 Land $16,080 Building $95,730 |
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 437 Homer Stephens 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 437 Homer Stephens Rd is moderate, ranking above 55% 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 55% of the US · above 79% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% 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 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TrailWave Fiber | 1,000 / 1,000 |
| Windstream Cable · DSL · Fiber in parts of the area | 1,000 / 25 |
5G and 4G LTE (outdoors only)
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