699 Cobblestone Ln, Demorest, GA 30535 Property Records

Habersham County property record for 699 Cobblestone Ln, Demorest, GA 30535

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,796 sqft · built 1984
Lot Size	3.1 acres (135,036 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Mar 2022)
Tax Bill	$3,598 (2026)
Deeds & Mortgages	Mar 2022 Sale Mar 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042 085`

Property Details

APN / Parcel Number

Primary APN	`042 085`
Alternative APNs	`683368` `383941`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,796 sqft Heated Area
Gross Area	4,732 sqft
1st Floor Area	1,705 sqft
Basement Area	452 sqft
Finished Basement	452 sqft
Unfinished Basement	624 sqft
Sunroom	Sunroom
Flooring	Hardwood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	135,036 sqft (3.1 acres)
Lot Width	245 ft Width
Garage Type	Carport
Garage Area	624 sqft
Carport	Carport
Carport Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	320 sqft
Deck Area	460 sqft
Patio Area	160 sqft
Storage Building	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	383941
Street Address	699 COBBLESTONE LN
City	DEMOREST
State	GA
Zip	30535-4758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	10-27 LT 8 PB 18-293 DB 1298-106
Legal Subdivision	RIVER PLACE SOQUE
Legal Lot Number	8
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	2
Census Block	2001
Census Tract	603

Owner

699 Cobblestone Ln is owned by two individuals who bought it in March 2022.

Source: Habersham County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1006 GARNER CREEK DR SW, LILBURN, GA 30047-5508
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
Mar 2, 2022	Warranty Deed, Transfer
Mar 19, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage TOWNE MORTGAGE OF THE CAROLINAS
Apr 6, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES
Mar 14, 2019	Warranty Deed, Transfer
Oct 2, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2022 · Amount on File
Deed Sale	Mar 9, 2022 · Amount on File
Prior Sale	Mar 14, 2019 · Amount on File
Deed Document Number	2022459
Deed Book / Page	1298 / 106
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Mar 2, 2022
Property Address	699 COBBLESTONE LN, DEMOREST, GA 30535-4758
Document Number	001298/106
Book / Page	1298 / 106
Instrument Date	Mar 2, 2022
Instrument	2022-000459
Transaction Type	Transfer
Record Updated	Mar 28, 2022

Transaction

Amount	Amount 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	1006 GARNER CREEK DR SW, LILBURN, GA 30047-5508

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	699 COBBLESTONE LN, DEMOREST, GA 30535-4758
Transaction Type	Mortgage
Record Updated	Jul 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	699 COBBLESTONE LN, DEMOREST, GA 30535-4758

Mortgage

Document Number	0000001187/0000000273
Date	Mar 19, 2019
Book Page	0000001187/0000000273

Lender

Name	TOWNE MORTGAGE OF THE CAROLINAS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	699 COBBLESTONE LN, DEMOREST, GA 30535-4758
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	699 COBBLESTONE LN, DEMOREST, GA 30535-4758

Mortgage

Document Number	0000001217/0000000127
Date	Apr 6, 2020
Book Page	0000001217/0000000127

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Mar 14, 2019
Property Address	699 COBBLESTONE LN, DEMOREST, GA 30535-4758
Document Number	001187/271
Book / Page	1187 / 271
Instrument Date	Mar 14, 2019
Instrument	2019-000392
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Amount	Amount 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	699 COBBLESTONE LN, DEMOREST, GA 30535-4758

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Oct 2, 2018
Property Address	699 COBBLESTONE LN, DEMOREST, GA 30535-4758
Document Number	01176/1065
Book / Page	1176 / 1065
Instrument Date	Oct 2, 2018
Instrument	2018-001867
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Amount	Amount 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	778 N MAIN ST, CORNELIA, GA 30531-2324

Tax Assessment & Valuation

The 2026 property tax bill for 699 Cobblestone Ln was $3,598, up 5.7% 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	$3,598.00 (+5.73%)	$157,855 (+12.05%) Land $52,591 Building $105,264	$394,638 (+12.05%) Land $131,478 Building $263,160
2025	$3,403.00	$140,880 Land $32,767 Building $108,113	$352,200 Land $81,918 Building $270,282
2023	$4,714.00 (+38.36%)	$181,640 (+38.37%) Land $40,008 Building $141,632	$454,100 (+38.37%) Land $100,020 Building $354,080
2022	$3,407.00	$131,272 Land $40,008 Building $91,264	$328,180 Land $100,020 Building $228,160

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 699 Cobblestone Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (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 699 Cobblestone Ln is moderate, ranking above 51% 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 51% of the US · above 69% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · Cable	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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