Seller's Agent in 2025
Stephen Caudell
Hammock Realty North Georgia
(706) 491-3245
269 Total Sales
384 Cardinal Ln Toccoa, GA 30577
Toccoa Area
4
Beds
3
Baths
2,400
Sq Ft
0.28
Acre Lot
Highlights
- 85 Feet of Waterfront
- Access To Lake
- Deck
- 1 Boat Dock
- Lake View
- Vaulted Ceiling
About This Home
As of August 2025This Lake Hartwell home offers 3 bedrooms and 3 full baths across two finished levels and has been recently updated with a new HVAC system and a concrete path leading to the covered slip boat dock with lift. The main floor features a vaulted great room with hardwood floors, seamlessly connected to the open kitchen and dining area. Step out onto a spacious, covered porch that spans the width of the home and flows into a large open deck, perfect for grilling and enjoying lake views. The main level includes two bedrooms and two full bathrooms. Downstairs, the terrace level offers a third bedroom, an additional full bath, bunk room with built in bunk beds. A generously sized bonus room that makes a comfortable space for watching TV or playing games. There's also a quiet nook ideal for a home office, allowing you to work while soaking in the lakeside atmosphere. A second covered deck on the lower level leads to the improved concrete path down to the lake, where you'll find a covered slip dock complete with a boat lift and PWC lift. Located in a protected deep water cove, the dock offers stunning views of one of Lake Hartwell's main channels. This home is move-in ready, with furnishings negotiable.
Last Agent to Sell the Property
Hammock Realty North Georgia License #357431 Listed on: 07/16/2025
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Home Details
Home Type
- Single Family
Est. Annual Taxes
- $2,972
Year Built
- Built in 2001
Lot Details
- 12,197 Sq Ft Lot
- 85 Feet of Waterfront
- Lake Front
- Sloped Lot
Parking
- Parking Pad
Home Design
- Traditional Architecture
- Metal Roof
- Vinyl Siding
Interior Spaces
- 2-Story Property
- Vaulted Ceiling
- Ceiling Fan
- Factory Built Fireplace
- Double Pane Windows
- Family Room
- Combination Dining and Living Room
- Bonus Room
- Vinyl Flooring
- Lake Views
- Laundry Room
Kitchen
- Breakfast Bar
- Oven or Range
- Dishwasher
Bedrooms and Bathrooms
- 4 Bedrooms | 2 Main Level Bedrooms
- Primary Bedroom on Main
- Double Vanity
Finished Basement
- Basement Fills Entire Space Under The House
- Interior and Exterior Basement Entry
- Fireplace in Basement
- Finished Basement Bathroom
- Laundry in Basement
- Natural lighting in basement
Outdoor Features
- Access To Lake
- Deep Water Access
- Army Corps Of Engineers Controlled
- 1 Boat Dock
- Dock Rights
- Deck
- Porch
Schools
- Stephens County Middle School
- Stephens County High School
Utilities
- Central Heating and Cooling System
- Septic Tank
- High Speed Internet
- Phone Available
Community Details
- No Home Owners Association
- Shorewood Est Subdivision
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
Jul 16, 2025
Closed on
Aug 27, 2025
Sold by
Bought by
Seller's Agent
Stephen Caudell
Hammock Realty North Georgia
Buyer's Agent
Michael Miller
Keller Williams Lake Hartwell
List Price
$600,000
Sold Price
$598,000
Premium/Discount to List
-$2,000
-0.33%
Views
52
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
$18,317
Avg. Annual Appreciation
3.30%
Original Mortgage
$318,000
Outstanding Balance
$317,725
Interest Rate
6.72%
Mortgage Type
New Conventional
Estimated Equity
$298,592
Purchase Details
Listed on
Jul 9, 2024
Closed on
Aug 12, 2024
Sold by
Bought by
Seller's Agent
Spot On The Lake
Lake Hartwell Partners, LLC
Buyer's Agent
Travis Halbrook
EXP Realty LLC
List Price
$550,000
Sold Price
$563,000
Premium/Discount to List
$13,000
2.36%
Views
39
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.97%
Original Mortgage
$450,400
Interest Rate
6.89%
Mortgage Type
New Conventional
Purchase Details
Listed on
May 29, 2020
Closed on
Jun 22, 2020
Sold by
Bought by
Seller's Agent
Spot On The Lake
Lake Hartwell Partners, LLC
Buyer's Agent
AGENT NONMEMBER
NONMEMBER OFFICE
List Price
$300,000
Sold Price
$304,500
Premium/Discount to List
$4,500
1.5%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
16.09%
Original Mortgage
$243,600
Interest Rate
3.2%
Mortgage Type
New Conventional
Purchase Details
Listed on
Aug 1, 2017
Closed on
Oct 11, 2017
Sold by
Bought by
Seller's Agent
Spot On The Lake
Lake Hartwell Partners, LLC
Buyer's Agent
Michael Miller
Lake Hartwell Partners, LLC
List Price
$225,000
Sold Price
$222,500
Premium/Discount to List
-$2,500
-1.11%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
12.23%
Original Mortgage
$200,250
Interest Rate
3.78%
Mortgage Type
New Conventional
Purchase Details
Closed on
Mar 16, 2011
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$167,200
Interest Rate
4.95%
Mortgage Type
New Conventional
Purchase Details
Closed on
May 1, 1998
Bought by
Purchase Details
Closed on
Jul 1, 1996
Bought by
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 | Type | Sale Price | Title Company |
|---|---|---|---|
| Limited Warranty Deed | $598,000 | -- | |
| Warranty Deed | $563,000 | -- | |
| Warranty Deed | -- | -- | |
| Warranty Deed | $304,500 | -- | |
| Warranty Deed | $222,500 | -- | |
| Deed | $209,000 | -- | |
| Deed | -- | -- | |
| Deed | $64,000 | -- | |
| Deed | $54,000 | -- |
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 | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $318,000 | New Conventional | |
| Previous Owner | $450,400 | New Conventional | |
| Previous Owner | $243,600 | New Conventional | |
| Previous Owner | $200,250 | New Conventional | |
| Previous Owner | $167,200 | New Conventional |
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 | Prior Sale |
|---|---|---|---|---|---|
| 08/27/2025 08/27/25 | Sold | $598,000 | -0.3% | $249 / Sq Ft | |
| 07/26/2025 07/26/25 | Pending | -- | -- | -- | |
| 07/16/2025 07/16/25 | For Sale | $600,000 | +6.6% | $250 / Sq Ft | |
| 08/12/2024 08/12/24 | Sold | $563,000 | +2.4% | $314 / Sq Ft | View Prior Sale |
| 07/11/2024 07/11/24 | For Sale | $550,000 | +80.6% | $307 / Sq Ft | |
| 06/30/2020 06/30/20 | Sold | $304,500 | +1.5% | $170 / Sq Ft | View Prior Sale |
| 06/05/2020 06/05/20 | Pending | -- | -- | -- | |
| 05/29/2020 05/29/20 | For Sale | $300,000 | +34.8% | $167 / Sq Ft | |
| 10/11/2017 10/11/17 | Sold | $222,500 | -1.1% | $124 / Sq Ft | View Prior Sale |
| 09/06/2017 09/06/17 | Pending | -- | -- | -- | |
| 08/01/2017 08/01/17 | For Sale | $225,000 | -- | $125 / Sq Ft |
Source: Georgia MLS
Agents Affiliated with this Home
-
Stephen Caudell
-
Michael Miller
M
Buyer's Agent in 2025
Michael Miller
Keller Williams Lake Hartwell
(678) 469-9916
137 Total Sales
-
Spot On The Lake
Seller's Agent in 2024
Spot On The Lake
Lake Hartwell Partners, LLC
(678) 469-9917
209 Total Sales
-
Travis Halbrook
Buyer's Agent in 2024
Travis Halbrook
EXP Realty LLC
(706) 949-1719
217 Total Sales
-
AGENT NONMEMBER
A
Buyer's Agent in 2020
AGENT NONMEMBER
NONMEMBER OFFICE
Map
Source: Georgia MLS
MLS Number: 10565598
APN: 057E-152
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 2026 Georgia MLS. All rights reserved.
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