896 N Main St, Cornelia, GA 30531 Property Records

Habersham County property record for 896 N Main St, Cornelia, GA 30531

Property Summary

Property Type	Commercial Office
Details	2 bd · 2 ba · 630 sqft · built 1986
Lot Size	1.32 acres (57,499 sqft)
Owner	2 Company Names on Record
Last Sale	$333,000 (Jun 2026)
Tax Bill	$3,437 (2026)
Deeds & Mortgages	Jun 2026 Sale & Line of Credit Jul 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`087B123`

Property Details

APN / Parcel Number

Primary APN	`087B123`
Alternative APNs	`659618` `396761`

Interior

Stories	1 Story
Building Area	630 sqft Total Area
1st Floor Area	630 sqft
Flooring	Softwood
Interior Walls	Plywood

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1989
Exterior Material	Wood
Construction Type	Frame
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	57,499 sqft (1.32 acres)
Lot Dimensions	147 ft deep x 400 ft wide
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Account Number	396761
Street Address	896 N MAIN ST
City	CORNELIA
State	GA
Zip	30531-2325
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	B2
Legal Description	10-138 828 CLKS ST 888-471
Jurisdiction	HABERSHAM GA
Township / Civil Division	CORNELIA
Census Block Group	2
Census Block	2005
Census Tract	501

Owner

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 Company Names on Record
Mailing Address	950 N MAIN PLAZA DR, CORNELIA, GA 30531-2150
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Limited Warranty Deed, Transfer · Line of Credit ACCESS CAPITAL FUNDING
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit ACCESS CAPITAL FUNDING
Jul 30, 2026	Deed of Trust, Mortgage ACCESS CAPITAL FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Deed Book / Page	1438 / 437
Record Updated	Oct 29, 2026

June 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jun 29, 2026
Property Address	896 N MAIN ST, CORNELIA, GA 30531-2325
Document Number	1438000437
Book / Page	1438 / 437
Instrument Date	Jun 18, 2026
Transaction Type	Transfer
Record Updated	Aug 10, 2026

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	1438000450,
Date	Jun 29, 2026
Book Page	1438/450

Lender

Name	ACCESS CAPITAL FUNDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Due	Jun 1, 2026

Interest

Rate	6.51%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Recording Date	Jul 30, 2026
Property Address	896 N MAIN ST, CORNELIA, GA 30531-2325
Document Number	1442000001
Book / Page	1442 / 1
Instrument Date	Jun 18, 2026
Transaction Type	Mortgage
Record Updated	Aug 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 THORNBRIAR WAY, MOUNT AIRY, GA 30563-3546

Mortgage

Document Number	1442000001,
Date	Jul 30, 2026
Book Page	1442/1

Lender

Name	ACCESS CAPITAL FUNDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Jun 1, 2033

Interest

Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Recording Date	Jul 30, 2026
Property Address	896 N MAIN ST, CORNELIA, GA 30531-2325
Document Number	1442000022
Book / Page	1442 / 22
Instrument Date	Jun 18, 2026
Transaction Type	Mortgage
Record Updated	Aug 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 THORNBRIAR WAY, MOUNT AIRY, GA 30563-3546

Mortgage

Document Number	1442000022,
Date	Jul 30, 2026
Book Page	1442/22

Lender

Name	ACCESS CAPITAL FUNDING

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Jun 1, 2033

Interest

Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,437.00 (-3.51%)	$106,416 (+0.54%) Land $87,296 Building $19,120	$266,041 (+0.54%) Land $218,240 Building $47,801
2025	$3,562.00 (+117.2%)	$105,840 (+67.45%) Land $87,296 Building $18,544	$264,601 (+67.45%) Land $218,240 Building $46,361
2023	$1,640.00 (+2.56%)	$63,208 (+2.58%) Land $51,920 Building $11,288	$158,020 (+2.58%) Land $129,800 Building $28,220
2022	$1,599.00	$61,620 Land $51,920 Building $9,700	$154,050 Land $129,800 Building $24,250

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 5, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Georgia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CORNELIA serves 6,130 people · EPA ID GA1370003
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	1 ppb (2026) 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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable · DSL · Fiber in parts of the area	1,000 / 25
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: TrailWave.

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