Habersham County property record for 481 Locke Rd, Cornelia, GA 30531
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,781 sqft · built 2002 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Jun 2021) |
| Tax Bill | $2,461 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083 115B |
| Primary APN | 083 115B |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,781 sqft Heated Area |
| Gross Area | 3,000 sqft |
| 1st Floor Area | 1,781 sqft |
| Basement Area | 891 sqft |
| Unfinished Basement | 891 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Pool Area | 576 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 48 sqft |
| Deck Area | 280 sqft |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 395141 |
|---|---|
| Street Address | 481 LOCKE RD |
| City | CORNELIA |
| State | GA |
| Zip | 30531-5418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LI |
| Legal Description | 10-106 PB 51-252 543-929 |
| Jurisdiction | HABERSHAM GA |
| Township / Civil Division | CORNELIA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 501 |
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 | 25 W STEPHENS ST, WINDER, GA 30680-2141 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK |
| Apr 24, 2026 | Limited Warranty Deed, Transfer · Conventional Mortgage PINNACLE BANK |
| Jun 25, 2021 | Warranty Deed, Transfer · FHA Mortgage SYNOVUS BANK |
| Feb 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2021 · Amount on Record |
| Deed Sale | Jun 25, 2021 · Amount on Record |
| Deed Document Number | 20211609 |
| Deed Book / Page | 1269 / 385 |
| Last Transfer Date | Apr 23, 2026 |
| Transfer Doc | 1430000604 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | Apr 24, 2026 |
| Property Address | 481 LOCKE RD, CORNELIA, GA 30531-5418 |
| Document Number | 1430000606 |
| Book / Page | 1430 / 606 |
| Instrument Date | Apr 23, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 481 LOCKE RD, CORNELIA, GA 30531-5418 |
| Document Number | 1430000606, |
|---|---|
| Date | Apr 24, 2026 |
| Book Page | 1430/606 |
| Name | PINNACLE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | Apr 24, 2026 |
| Property Address | 481 LOCKE RD, CORNELIA, GA 30531-5418 |
| Document Number | 1430000604 |
| Book / Page | 1430 / 604 |
| Instrument Date | Apr 23, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2026 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 25 W STEPHENS ST, WINDER, GA 30680-2141 |
| Document Number | 1430000606, |
|---|---|
| Date | Apr 24, 2026 |
| Book Page | 1430/606 |
| Name | PINNACLE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | Jun 25, 2021 |
| Property Address | 481 LOCKE RD, CORNELIA, GA 30531-5418 |
| Document Number | 1269/385 |
| Book / Page | 1269 / 385 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 2021-001609 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 115 FAIRVIEW MEADOWS DR, DEMOREST, GA 30535 |
| Document Number | 0000001269/0000000387 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 0000001269/0000000387 |
| Name | SYNOVUS BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Property Address | 481 LOCKE RD, CORNELIA, GA 30531-5418 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 481 LOCKE RD, CORNELIA, GA 30531-5418 |
| Document Number | 0000001249/0000000927 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | 0000001249/0000000927 |
| Name | LAKEVIEW MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
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 | $2,461.00 (-2.5%) | $107,964 (+3.33%) Land $11,385 Building $96,579 | $269,909 (+3.33%) Land $28,462 Building $241,447 |
| 2025 | $2,524.00 (+8.61%) | $104,484 (+16.64%) Land $10,640 Building $93,844 | $261,210 (+16.64%) Land $26,600 Building $234,610 |
| 2023 | $2,324.00 (+16.96%) | $89,576 (+16.96%) Land $4,256 Building $85,320 | $223,940 (+16.96%) Land $10,640 Building $213,300 |
| 2022 | $1,987.00 | $76,584 Land $3,192 Building $73,392 | $191,460 Land $7,980 Building $183,480 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · above 73% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TrailWave Fiber | 1,000 / 1,000 |
| Windstream Cable | 1,000 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
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