Habersham County property record for 828 Garner Rd, Cornelia, GA 30531
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 3 ba · 2,608 sqft · built 1902 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $500,000 (May 2024) |
| Tax Bill | $3,432 (2026) |
| Deeds & Mortgages | Dec 2021 Second Mortgage Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 027 124A |
| Primary APN | 027 124A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,608 sqft Heated Area |
| Gross Area | 3,448 sqft |
| 1st Floor Area | 1,728 sqft |
| Upper Floors Area | 768 sqft |
| Attic | Attic |
| Attic Area | 768 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Width | 336 ft Width |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 1,248 sqft |
| Deck Area | 24 sqft |
| Patio Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 487199 |
|---|---|
| Street Address | 828 GARNER RD |
| City | CORNELIA |
| State | GA |
| Zip | 30531-4828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | LI |
| Legal Description | 10-95 TRACT 2 PB 64-141 1365-982 |
| Legal Tract | 2 |
| Jurisdiction | HABERSHAM GA |
| Township / Civil Division | CORNELIA |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 603 |
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 | 828 GARNER RD, CORNELIA, GA 30531-4828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MILEND |
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MILEND |
| Jun 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2024 · Amount on Record |
| Deed Sale | May 15, 2024 · Amount on Record |
| Prior Sale | Jun 18, 2020 · Amount on Record |
| Deed Book / Page | 1365 / 982 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Property Address | 828 GARNER RD, CORNELIA, GA 30531-4828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 828 GARNER RD, CORNELIA, GA 30531-4828 |
| Document Number | 0000001290/0000001042 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 0000001290/0000001042 |
| Name | MILEND |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Property Address | 828 GARNER RD, CORNELIA, GA 30531-4828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 828 GARNER RD, CORNELIA, GA 30531-4828 |
| Document Number | 0000001290/0000001028 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 0000001290/0000001028 |
| Name | MILEND |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | Jun 18, 2020 |
| Property Address | 828 GARNER RD, CORNELIA, GA 30531-4828 |
| Document Number | 001223/887 |
| Book / Page | 1223 / 887 |
| Instrument Date | Jun 18, 2020 |
| Instrument | 2020-001229 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2022 |
| 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 | 828 GARNER RD, CORNELIA, GA 30531-4828 |
| Document Number | 0000001223/0000000890 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 0000001223/0000000890 |
| Name | HOMESTAR FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
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 | $3,432.00 (-7.27%) Homeowner's exemption | $152,446 (-0.5%) Land $17,077 Building $135,369 | $381,115 (-0.5%) Land $42,693 Building $338,422 |
| 2025 | $3,701.00 (+21.86%) | $153,212 (+30.91%) Land $15,960 Building $137,252 | $383,030 (+30.91%) Land $39,900 Building $343,130 |
| 2023 | $3,037.00 (+19.43%) | $117,040 (+19.41%) Land $11,040 Building $106,000 | $292,600 (+19.41%) Land $27,600 Building $265,000 |
| 2022 | $2,543.00 | $98,012 Land $6,624 Building $91,388 | $245,030 Land $16,560 Building $228,470 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 69% 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| TrailWave Fiber | 1,000 / 1,000 |
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