498 Deer Track Rd, Cornelia, GA 30531 Property Records

Habersham County property record for 498 Deer Track Rd, Cornelia, GA 30531

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,792 sqft · built 2007
Lot Size	1.86 acres (81,022 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jun 2026)
Tax Bill	$2,325 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010 003F`

Property Details

APN / Parcel Number

Primary APN	`010 003F`
Alternative APNs	`675519` `372625`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,792 sqft Heated Area
Gross Area	4,296 sqft
1st Floor Area	1,792 sqft
Basement Area	1,667 sqft
Finished Basement	1,667 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	81,022 sqft (1.86 acres)
Lot Width	343 ft Width
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	125 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	372625
Street Address	498 DEER TRACK RD
City	CORNELIA
State	GA
Zip	30531-4524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	10-92 LT 23 BK A PB21-1138 DB 1172-35
Legal Subdivision	WHISPERING FALLS HABERSHAM
Legal Block	A
Legal Lot Number	23
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	1
Census Block	1008
Census Tract	603

Owner

498 Deer Track Rd is owned and occupied by two individuals who bought it in June 2026.

Source: Habersham County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	498 DEER TRACK RD, CORNELIA, GA 30531-4524
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Warranty Deed, Transfer · Conventional Mortgage BANKSOUTH
Aug 2, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage USAA FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2026 · Amount on File
Deed Sale	Jun 16, 2026 · Amount on File
Prior Sale	Aug 2, 2018 · Amount on File
Deed Book / Page	1436 / 415
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jun 16, 2026
Property Address	498 DEER TRACK RD, CORNELIA, GA 30531-4524
Document Number	1436000415
Book / Page	1436 / 415
Instrument Date	Jun 15, 2026
Transaction Type	Transfer
Record Updated	Jul 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 DEER TRACK RD, CORNELIA, GA 30531-4524

Mortgage

Document Number	1436000418,
Date	Jun 16, 2026
Book Page	1436/418

Lender

Name	BANKSOUTH

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.36%
Max Rate	-1%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 2, 2018
Property Address	498 DEER TRACK RD, CORNELIA, GA 30531-4524
Document Number	0001172/35
Book / Page	1172 / 35
Instrument Date	Aug 2, 2018
Instrument	2018-001398
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Amount	Amount on Record
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	498 DEER TRACK RD, CORNELIA, GA 30531-4524

Mortgage

Document Number	0000001172/0000000038
Date	Aug 6, 2018
Book Page	0000001172/0000000038

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 498 Deer Track Rd was $2,325 with exemptions applied, up 2.3% from the year before.

Source: Habersham County assessment roll, as of September 11, 2026

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
2026	$2,325.00 (+2.29%) Homeowner's exemption Senior Citizen's exemption	$190,585 (+2.61%) Land $23,594 Building $166,991	$476,464 (+2.61%) Land $58,986 Building $417,478
2025	$2,273.00 Homeowner's exemption Senior Citizen's exemption	$185,736 Land $22,051 Building $163,685	$464,339 Land $55,127 Building $409,212
2023	Homeowner's exemption Senior Citizen's exemption	$144,932 (+17.64%) Land $10,832 Building $134,100	$362,330 (+17.64%) Land $27,080 Building $335,250
2022	Homeowner's exemption Senior Citizen's exemption	$123,204 Land $8,512 Building $114,692	$308,010 Land $21,280 Building $286,730

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

FEMA maps place 498 Deer Track Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2020.

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.

Wildfire

Wildfire risk around 498 Deer Track Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · above 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · Cable in parts of the area	2,000 / 2,000
TrailWave Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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