NOT LISTED FOR SALE

364 Cardinal Ln Toccoa, GA 30577

Estimated Value: $440,000 - $546,055

4 Beds
3 Baths
2,620 Sq Ft
$192/Sq Ft Est. Value

Sale Details

Date Sold: July 8, 2025

Last sale price $480,000 $183 Per Sq Ft

Est. 5% increase in value since last sale

Current estimated payment $3,011 / mo

68 Days on Market

Highlights

  • Lake Front
  • Community Lake
  • Vaulted Ceiling
  • 1 Boat Dock
  • Deck
  • Partially Wooded Lot

About This Home

As of July 2025

This 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

Spot On The Lake

Keller Williams Lake Hartwell License #278239 Listed on: 04/03/2025

Keller Williams Lake Hartwell

Last Buyer's Agent

Beth Kennedy

Hammock Realty North Georgia License #378686

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,763

Year Built

  • Built in 1989

Lot Details

  • 12,197 Sq Ft 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

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,763

Year Built

Built in 1989

Lot Details

0.28 Acres

HOA Fees

$17 per month

Listing Details

  • Property Type: Residential
  • Year Built: 1989
  • ArchitecturalStyle: Traditional
  • Financing Type: Conventional
  • Levels: Three Or More
  • Lot Size Acres: .28
  • Property Sub-Type: Single Family Residence
  • Structure Type: House
  • Total Dock Slips: 1
  • Total Finished Area2: 2620
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dishwasher, Disposal, Ice Maker, Microwave, Oven/Range (Combo), Refrigerator
  • Bedrooms: 4
  • Dining Room Features: Dining Rm/Living Rm Combo
  • Basement: Bath Finished, Daylight, Exterior Entry, Finished, Interior Entry, Partial
  • Below Grade Finished Sq Ft: 756
  • Total Finished Sq Ft: 1864
  • Above Grade Finished Sq Ft: 1864
  • Interior Amenities: Beamed Ceilings, Vaulted Ceiling(s)
  • Feature Name: Hartwell
  • Full Bathrooms: 3
  • Fireplace Features: Family Room, Gas Log, Masonry
  • Flooring: Carpet, Hardwood, Tile
  • Kitchen Features: Breakfast Bar

Beds/Baths

  • Lower Level Full Bathrooms: 1
  • Main Level Full Bathrooms: 1
  • Upper Level Full Bathrooms: 1
  • Bedroom Lower Level: 2
  • Bedroom Main Level: 1

Exterior Features

  • Construction Materials: Concrete, Press Board, Wood Siding
  • ExteriorFeatures: Dock
  • Lot Features: None
  • Patio And Porch Features: Deck, Screened
  • Property Condition: Resale
  • Roof: Composition
  • View: Lake
  • Waterfront Features: Corps of Engineers Control, Deep Water Access, Dock Rights, Floating Dock, Lake, Lake Access

Garage/Parking

  • Parking Features: Attached, Garage
  • ParkingTotal: 1

Utilities

  • Cooling: Ceiling Fan(s), Central Air, Electric, Heat Pump
  • Heating: Central, Electric, Heat Pump
  • Laundry Features: In Basement
  • Security Features: Carbon Monoxide Detector(s), Smoke Detector(s)
  • Sewer: Septic Tank
  • Utilities: Electricity Available, Water Available
  • Water Source: Public

Condo/Co-op/Association

  • Annual Association Fee: 200
  • Association: Yes
  • Community Features: Lake, Pool

Fee Information

  • Association Fee Includes: Maintenance Grounds, Private Roads, Swimming

Schools

  • Elementary School: Big A
  • High School: Stephens County
  • Middle School: Stephens County

Lot Info

  • Lot: 65

Multi Family

  • Total Fireplaces: 1

Tax Info

  • Year: 24
  • Tax Annual Amount: 2762.93

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 3, 2025
Closed on
Jul 8, 2025
Sold by
Bought by
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
$503,764

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$23,764
Avg. Annual Appreciation
5.16%
Original Mortgage
$465,600
Outstanding Balance
$462,382
Interest Rate
5.97%
Mortgage Type
New Conventional
Estimated Equity
$41,382

Purchase Details

Closed on
Apr 28, 2016
Sold by
Bought by

Purchase Details

Closed on
Oct 5, 2001
Bought by

Purchase Details

Closed on
Aug 1, 1992
Bought by

Purchase Details

Closed on
Feb 1, 1989
Bought by
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
$480,000 --
-- --
$130,000 --
$82,000 --
$12,000 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Open $465,600
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

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

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

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
2025 $3,347 $121,923 $41,400 $80,523
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

    Seller's Agent in 2025

    Spot On The Lake

    Keller Williams Lake Hartwell

    (678) 469-9917

    221 Total Sales

    Spot On The Lake
    Section Image
  • Beth Kennedy

    Buyer's Agent in 2025

    Beth Kennedy

    Hammock Realty North Georgia

    (706) 491-4628

    93 Total Sales

    Beth Kennedy
    Section Image
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Map

Source: Georgia MLS

MLS Number: 10492286

Georgia MLS

APN: 056E-008

Georgia Stephens County Toccoa 30577

364 Cardinal Ln, Toccoa, GA

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