Seller's Agent in 2025
Spot On The Lake
Keller Williams Lake Hartwell
(678) 469-9917
266 Total Sales
364 Cardinal Ln Toccoa, GA 30577
4
Beds
3
Baths
2,620
Sq Ft
0.28
Acres
Highlights
- Lake Front
- Community Lake
- Vaulted Ceiling
- 1 Boat Dock
- Deck
- Partially Wooded Lot
About This Home
As of July 2025This Lake Hartwell home has 4 bedrooms and 3 baths spread over three finished levels. The main level has a great room with vaulted ceilings and is open to the kitchen and dining area. There are glass doors that open onto a large open deck and a screened porch overlooking the lake. The main level also has a bedroom and full bath. Upstairs there is a large owner's suite with a tiled bath. The terrace level has two more bedrooms, another full bath and a laundry area. The bedrooms open onto a covered porch which connects to a concrete path to the two-level, covered slip dock. The property also includes an attached garage and a separate storage area for a utility vehicle and/or lake toys.
Last Agent to Sell the Property
Keller Williams Lake Hartwell License #278239 Listed on: 04/03/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $2,763
Year Built
- Built in 1989
Lot Details
- 0.28 Acre Lot
- Lake Front
- Partially Wooded Lot
HOA Fees
- $17 Monthly HOA Fees
Parking
- 1 Car Garage
Home Design
- Traditional Architecture
- Composition Roof
- Wood Siding
- Press Board Siding
- Concrete Siding
Interior Spaces
- 3-Story Property
- Beamed Ceilings
- Vaulted Ceiling
- Ceiling Fan
- Gas Log Fireplace
- Fireplace Features Masonry
- Family Room with Fireplace
- Combination Dining and Living Room
- Sun or Florida Room
- Screened Porch
- Lake Views
Kitchen
- Breakfast Bar
- Oven or Range
- Microwave
- Ice Maker
- Dishwasher
- Disposal
Flooring
- Wood
- Carpet
- Tile
Bedrooms and Bathrooms
Finished Basement
- Partial Basement
- Interior and Exterior Basement Entry
- Finished Basement Bathroom
- Laundry in Basement
- Natural lighting in basement
Home Security
- Carbon Monoxide Detectors
- Fire and Smoke Detector
Outdoor Features
- Access To Lake
- Deep Water Access
- Army Corps Of Engineers Controlled
- 1 Boat Dock
- Dock Rights
- Deck
Schools
- Big A Elementary School
- Stephens County Middle School
- Stephens County High School
Utilities
- Central Heating and Cooling System
- Heat Pump System
- Septic Tank
Listing and Financial Details
- Tax Lot 65
Community Details
Overview
- Association fees include ground maintenance, private roads, swimming
- Shorewood Estates Subdivision
- Community Lake
Recreation
- Community Pool
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Apr 3, 2025
Closed on
Jul 8, 2025
Sold by
364 Cardinal Lane Llc
Bought by
Hill Ashley Renee
Seller's Agent
Spot On The Lake
Keller Williams Lake Hartwell
Buyer's Agent
Beth Kennedy
Hammock Realty North Georgia
List Price
$550,000
Sold Price
$480,000
Premium/Discount to List
-$70,000
-12.73%
Views
111
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$11,954
Avg. Annual Appreciation
9.92%
Original Mortgage
$465,600
Outstanding Balance
$462,382
Interest Rate
5.97%
Mortgage Type
New Conventional
Estimated Equity
$29,572
Purchase Details
Closed on
Apr 28, 2016
Sold by
Baumgartner James E
Bought by
364 Cardinal Lane Llc
Purchase Details
Closed on
Oct 5, 2001
Bought by
Baumgartner James E and Baumgartner Rebecca A
Purchase Details
Closed on
Aug 1, 1992
Bought by
<Buyer Info Not Present>
Purchase Details
Closed on
Feb 1, 1989
Bought by
<Buyer Info Not Present>
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $480,000 | -- | |
| Warranty Deed | -- | -- | |
| Deed | $130,000 | -- | |
| Deed | $82,000 | -- | |
| Deed | $12,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $465,600 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 07/08/2025 07/08/25 | Sold | $480,000 | -4.0% | $183 / Sq Ft |
| 06/10/2025 06/10/25 | Pending | -- | -- | -- |
| 05/28/2025 05/28/25 | Price Changed | $500,000 | -4.8% | $191 / Sq Ft |
| 05/10/2025 05/10/25 | Price Changed | $525,000 | -4.5% | $200 / Sq Ft |
| 04/03/2025 04/03/25 | For Sale | $550,000 | -- | $210 / Sq Ft |
Source: Georgia MLS
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $2,891 | $94,946 | $41,400 | $53,546 |
| 2023 | $2,780 | $91,286 | $41,400 | $49,886 |
| 2022 | $2,340 | $78,593 | $30,780 | $47,813 |
| 2021 | $2,349 | $75,132 | $30,780 | $44,352 |
| 2020 | $2,368 | $74,978 | $30,780 | $44,198 |
| 2019 | $2,378 | $74,978 | $30,780 | $44,198 |
| 2018 | $2,378 | $74,978 | $30,780 | $44,198 |
| 2017 | $2,415 | $74,978 | $30,780 | $44,198 |
| 2016 | $2,378 | $74,977 | $30,780 | $44,197 |
| 2015 | $2,486 | $74,858 | $30,780 | $44,078 |
| 2014 | $2,405 | $71,240 | $23,120 | $48,120 |
| 2013 | -- | $71,240 | $23,120 | $48,120 |
Source: Public Records
Agents Affiliated with this Home
-
Spot On The Lake
-
Beth Kennedy
Buyer's Agent in 2025
Beth Kennedy
Hammock Realty North Georgia
(706) 491-4628
101 Total Sales
Map
Source: Georgia MLS
MLS Number: 10492286
APN: 056E-008
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of Georgia MLS. Real estate listings held by brokerage firms other than Redfin are marked with the Broker Reciprocity logo and detailed information about them includes the name of the listing brokers. Information deemed reliable but not guaranteed. Copyright 2025 Georgia MLS. All rights reserved.
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