Habersham County property record for 488 Garner Rd, Cornelia, GA 30531
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,386 sqft · built 2008 |
| Lot Size | 5.79 acres (252,212 sqft) |
| Owner | Individual Name on Record |
| Deeds & Mortgages | Feb 2026 Line of Credit Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026 051B |
| Primary APN | 026 051B |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,386 sqft Heated Area |
| Gross Area | 3,097 sqft |
| 1st Floor Area | 1,386 sqft |
| Basement Area | 1,386 sqft |
| Unfinished Basement | 1,386 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 252,212 sqft (5.79 acres) |
| Lot Width | 116 ft Width |
| Pool Area | 512 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 165 sqft |
| Deck Area | 160 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 654228 |
|---|---|
| Street Address | 488 GARNER RD |
| City | CORNELIA |
| State | GA |
| Zip | 30531-6913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | LI |
| Legal Description | 10-90 PB 58-138 765-574 |
| Legal Subdivision | PLAT/WILLIAM CARNES SURV |
| Jurisdiction | HABERSHAM GA |
| Township / Civil Division | CORNELIA |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 603 |
Source: Habersham County records, as of March 18, 2024
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 | 488 GARNER RD, CORNELIA, GA 30531-6913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 13, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Jun 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2014 |
| Deed Sale | Apr 17, 2014 |
| Deed Document Number | 0001054710 |
| Prior Transfer Date | Apr 1, 2006 |
| Prior Transfer Doc | 0000765574 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Property Address | 488 GARNER RD, CORNELIA, GA 30531-6913 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 488 GARNER RD, CORNELIA, GA 30531-6913 |
| Document Number | 0000001423/0000000541 |
|---|---|
| Date | Feb 13, 2026 |
| Book Page | 0000001423/0000000541 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Property Address | 488 GARNER RD, CORNELIA, GA 30531-6913 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 488 GARNER RD, CORNELIA, GA 30531-6913 |
| Document Number | 0000001195/0000000002 |
|---|---|
| Date | Jun 20, 2019 |
| Book Page | 0000001195/0000000002 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2039 |
Source: Habersham County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Georgia |
| County | Habersham County |
| Unified School District | Habersham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | Homeowner's exemption | $113,912 (+25.03%) Land $37,240 Building $76,672 | $284,780 (+25.03%) Land $93,100 Building $191,680 |
| 2022 | Homeowner's exemption | $91,108 Land $24,828 Building $66,280 | $227,770 Land $62,070 Building $165,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 67% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · Cable, DSL in parts of the area | 2,000 / 2,000 |
| TrailWave Fiber | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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