Hall County property record for 981 Cardinal Dr, Gainesville, GA 30501
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,525 sqft · built 1994 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $69,400 (Apr 1994) |
| Tax Bill | $1,217 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-045-006-001 |
| Primary APN | 01-045-006-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,525 sqft Heated Area |
| 1st Floor Area | 996 sqft |
| 2nd Floor Area | 529 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Rustic |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Patio Area | 28 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 5502 |
|---|---|
| Street Address | 981 CARDINAL DR |
| City | GAINESVILLE |
| State | GA |
| Zip | 30501-3001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-I |
| Legal Description | LT 32 C E PAYNE S/D |
| Legal Subdivision | C E PAYNE S/D |
| Legal Lot Number | 32 |
| Jurisdiction | HALL GA |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 902 |
981 Cardinal Dr is owned and occupied by two individuals who bought it in April 1994.
Source: Hall County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 981 CARDINAL DR, GAINESVILLE, GA 30501-3001 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 1994 · Amount on File |
| Deed Sale | Apr 28, 1994 · Amount on File |
| Prior Sale | Apr 1, 1994 · Amount on File |
| Deed Book / Page | 2176 / 33 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 981 Cardinal Dr was $1,217 with a homeowner's exemption, up 2% from the year before.
Source: Hall County assessment roll, as of October 19, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Hall County |
| Municipality | Gainesville City |
| Unified School District | Gainesville City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,217.00 (+20.02%) Homeowner's exemption | $106,000 (+1.45%) Land $10,080 Building $95,920 | $265,000 (+1.45%) Land $25,200 Building $239,800 |
| 2025 | $1,014.00 Homeowner's exemption | $104,480 Land $9,800 Building $94,680 | $261,200 Land $24,500 Building $236,700 |
| 2023 | $2,323.00 (+104.67%) Homeowner's exemption | $79,520 (+13.73%) Land $6,440 Building $73,080 | $198,800 (+13.73%) Land $16,100 Building $182,700 |
| 2022 | $1,135.00 Homeowner's exemption | $69,920 Land $12,760 Building $57,160 | $174,800 Land $31,900 Building $142,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 981 Cardinal Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
Source: FEMA National Flood Hazard Layer, effective February 5, 2026 · 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 | 2 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2020 · rainfall accumulation |
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 risk around 981 Cardinal Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99.2% of Georgia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GAINESVILLE serves 140,000 people · EPA ID GA1390001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Point Broadband Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, T-Mobile, Verizon.
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