491 Garrison Rd, Cornelia, GA 30531 Property Records

Habersham County property record for 491 Garrison Rd, Cornelia, GA 30531

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,228 sqft · built 1976
Lot Size	3.65 acres (158,994 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027 153A`

Property Details

APN / Parcel Number

Primary APN	`027 153A`
Alternative APN	`659100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,228 sqft Heated Area
Gross Area	2,888 sqft
1st Floor Area	1,598 sqft
Upper Floors Area	630 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	158,994 sqft (3.65 acres)
Lot Width	320 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	480 sqft
Porch	Open Porch
Porch Area	84 sqft
Shed	1 Shed
Shed Area	576 sqft
Canopy	360 sqft
Storage Building	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	659100
Street Address	491 GARRISON RD
City	CORNELIA
State	GA
Zip	30531-4913
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	LI
Legal Description	10-124 TRK 1-3 PB 62-32 871-411
Legal Tract	1-3
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	1
Census Block	1028
Census Tract	603

Owner

Source: Habersham County records · APN 027 153A

Assessment roll updated July 1, 2023 · Last verified March 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 File
Mailing Address	491 GARRISON RD, CORNELIA, GA 30531-4913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 16, 2016
Deed Sale	Sep 16, 2016
Deed Document Number	0001122364
Prior Transfer Date	Dec 01, 2008
Prior Transfer Doc	0000871411
Record Updated	Jun 07, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	491 GARRISON RD, CORNELIA, GA 30531-4913
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 GARRISON RD, CORNELIA, GA 30531-4913

Mortgage

Document Number	0000001240/0000000242
Date	Nov 24, 2020
Book Page	0000001240/0000000242

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2050

Tax Assessment & Valuation

Source: Habersham County records · Assessment roll updated July 1, 2023 · Last verified March 2024

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	Homeowner's exemption	$88,888 (+26.92%) Land $25,404 Building $63,484	$222,220 (+26.92%) Land $63,510 Building $158,710
2022	Homeowner's exemption	$70,036 Land $15,244 Building $54,792	$175,090 Land $38,110 Building $136,980

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 5, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 77% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Habersham Electric Membership Fiber	1,000 / 1,000
Uniti Group Cable · Fiber, DSL in parts of the area	1,000 / 25
Starlink Satellite	280 / 30

Based on FCC filings for 31 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	DEMOREST serves 18,049 people
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	2 ppb (2022–2024) 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.