457 Ridgeway Cir, Cornelia, GA 30531 Property Records

Habersham County property record for 457 Ridgeway Cir, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,528 sqft · built 1975
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual on Record
Last Sale	$283,000 (Jan 2023)
Tax Bill	$2,927 (2023)
Deeds & Mortgages	Aug 2024 Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`112A047`

Property Details

APN / Parcel Number

Primary APN	`112A047`
Alternative APNs	`662695` `670735`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,528 sqft Heated Area
Gross Area	2,864 sqft
1st Floor Area	1,528 sqft
Basement Area	675 sqft
Finished Basement	675 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	197 ft deep x 127 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	112 sqft
Deck Area	144 sqft
Patio Area	144 sqft
Utility Building	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	670735
Street Address	457 RIDGEWAY CIR
City	CORNELIA
State	GA
Zip	30531-2263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	10-140 98 WILL 1302-324
Legal Subdivision	HAYWOOD HILLS
Legal Lot Number	188
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	1
Census Block	1056
Census Tract	501

Owner

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

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

Owner of Record	Individual on Record
Mailing Address	230 WAYSIDE ST S, CORNELIA, GA 30531-8000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2024	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Jan 13, 2023	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL
Apr 11, 2022	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2023 · Amount on Record
Deed Sale	Jan 13, 2023 · Amount on Record
Prior Sale	Apr 11, 2022 · Amount on Record
Deed Document Number	0001327292
Deed Book / Page	1327 / 292
Record Updated	Jun 7, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	457 RIDGEWAY CIR, CORNELIA, GA 30531-2263
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	457 RIDGEWAY CIR, CORNELIA, GA 30531-2263

Mortgage

Document Number	0000001375/0000000694
Date	Aug 28, 2024
Book Page	0000001375/0000000694

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2053

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jan 13, 2023
Property Address	457 RIDGEWAY CIR, CORNELIA, GA 30531-2263
Document Number	001327/292
Book / Page	1327 / 292
Instrument Date	Jan 13, 2023
Instrument	2023-000074
Transaction Type	Transfer
Record Updated	Feb 27, 2023

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	457 RIDGEWAY CIR, CORNELIA, GA 30531-2263

Mortgage

Document Number	0001327294
Date	Jan 13, 2023
Instrument	1327/294

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

April 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HABERSHAM GA
Recording Date	Apr 11, 2022
Property Address	457 RIDGEWAY CIR, CORNELIA, GA 30531-2263
Document Number	001302/324
Book / Page	1302 / 324
Instrument Date	Apr 11, 2022
Instrument	2022-000935
Transaction Type	Foreclosure
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 WAYSIDE ST S, CORNELIA, GA 30531-8000

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	$2,927.00	$112,776 (+74.86%) Land $12,000 Building $100,776	$281,940 (+74.86%) Land $30,000 Building $251,940
2022	Homeowner's exemption Senior Citizen's exemption	$64,496 Land $8,000 Building $56,496	$161,240 Land $20,000 Building $141,240

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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