462 Cardinal Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 462 Cardinal Ln, Toccoa, GA 30577

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 896 sqft · built 1995
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$237,000 (Apr 2021)
Tax Bill	$2,040 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`057E 158`

Property Details

APN / Parcel Number

Primary APN	`057E 158`
Alternative APN	`269150`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	896 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wood

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Metal
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	100 ft deep x 85 ft wide
Terrain	Gentle Slope
Deck Area	368 sqft
Patio Area	608 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	269150
Street Address	462 CARDINAL LN
City	TOCCOA
State	GA
Zip	30577-9550
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	RS
Legal Description	LOT 57 BLK R SEC 2 SHOREWOOD EST & CC
Legal Subdivision	SHOREWOOD
Legal Block	R
Legal Lot Number	57
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	2
Census Block	2027
Census Tract	970201

Owner

Source: Stephens County records, as of March 12, 2026

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
Mailing Address	42 ROCKHOUSE RDG, SENOIA, GA 30276-3386
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Grant Deed, Transfer · Conventional with PMI HOMESTAR FIN'L
Jul 20, 2020	Grant Deed, Transfer · Conventional Mortgage CITIBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Jul 10, 2020 · Amount on Record
Deed Document Number	2021463
Deed Book / Page	1248 / 167
Record Updated	Sep 20, 2026

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 16, 2021
Property Address	462 CARDINAL LN, TOCCOA, GA 30577-9550
Document Number	0012480167
Book / Page	001248 / 000167
Instrument Date	Apr 1, 2021
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	462 CARDINAL LN TOCCOA GA 305779550, TOCCOA, GA 30577-9550

Mortgage

Document Number	12480169
Date	Apr 16, 2021
Book Page	001248/000169

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jul 20, 2020
Property Address	462 CARDINAL LN, TOCCOA, GA 30577-9550
Document Number	0012160300
Book / Page	001216 / 000300
Instrument Date	Jul 10, 2020
Transaction Type	Transfer
Record Updated	Aug 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 CARDINAL LN TOCCOA GA 30577, TOCCOA, GA 30577

Mortgage

Document Number	12160302
Date	Jul 20, 2020
Book Page	001216/000302

Lender

Name	CITIBANK
Type	Bank
Address	O FALLON, MO 63368-2240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,040.00 (+41.57%)	$74,353 (+53.54%) Land $11,634 Building $62,719	$185,882 (+53.54%) Land $29,084 Building $156,798
2023	$1,441.00	$48,426 Land $11,634 Building $36,792	$121,064 Land $29,084 Building $91,980

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 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

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.

Internet Providers

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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