NOT LISTED FOR SALE

384 Cardinal Ln Toccoa, GA 30577

Estimated Value: $551,000 - $613,000

4 Beds
3 Baths
2,400 Sq Ft
$245/Sq Ft Est. Value

Sale Details

Date Sold: August 27, 2025

Last sale price $598,000 $249 Per Sq Ft

Est. 2% decrease in value since last sale

Current estimated payment $3,486 / mo

10 Days on Market

Highlights

  • 85 Feet of Waterfront
  • Access To Lake
  • Deck
  • 1 Boat Dock
  • Lake View
  • Vaulted Ceiling

About This Home

As of August 2025

This 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

Stephen Caudell

Hammock Realty North Georgia License #357431 Listed on: 07/16/2025

Last Buyer's Agent

Michael Miller

Keller Williams Lake Hartwell License #352335

Keller Williams Lake Hartwell

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

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,972

Year Built

Built in 2001

Lot Details

0.28 Acres

Listing Details

  • Property Type: Residential
  • Year Built: 2001
  • ArchitecturalStyle: Other, Traditional
  • Financing Type: Conventional
  • Levels: Two
  • Lot Size Acres: .28
  • Property Sub-Type: Single Family Residence
  • Structure Type: House
  • Total Dock Slips: 1
  • Total Finished Area2: 2400
  • Special Features: None
  • Property Sub Type: Detached
  • Stories: 2

Interior Features

  • Appliances: Dishwasher, Oven/Range (Combo), Refrigerator
  • Bedrooms: 4
  • Dining Room Features: Dining Rm/Living Rm Combo
  • Basement: Bath Finished, Concrete, Daylight, Exterior Entry, Finished, Full, Interior Entry
  • Below Grade Finished Sq Ft: 1200
  • Total Finished Sq Ft: 1200
  • Above Grade Finished Sq Ft: 1200
  • Interior Amenities: Double Vanity, Master On Main Level, Vaulted Ceiling(s)
  • Feature Name: Hartwell
  • Full Bathrooms: 3
  • Fireplace Features: Basement, Factory Built
  • Flooring: Vinyl
  • Kitchen Features: Breakfast Bar
  • Window Features: Double Pane Windows

Beds/Baths

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

Exterior Features

  • Waterfront Frontage: 85
  • Construction Materials: Vinyl Siding
  • ExteriorFeatures: Dock
  • Lot Features: Sloped
  • Patio And Porch Features: Deck, Porch
  • Property Condition: Resale
  • Roof: Metal
  • View: Lake
  • Waterfront Features: Corps of Engineers Control, Deep Water Access, Dock Rights, Lake, Lake Access

Garage/Parking

  • Parking Features: Parking Pad

Utilities

  • Cooling: Ceiling Fan(s), Central Air
  • Heating: Central
  • Laundry Features: In Basement
  • Sewer: Septic Tank
  • Utilities: Electricity Available, High Speed Internet, Phone Available, Water Available
  • Water Source: Public

Condo/Co-op/Association

  • Association: No
  • Community Features: None

Fee Information

  • Association Fee Includes: None

Schools

  • Elementary School: Other
  • High School: Stephens County
  • Middle School: Stephens County

Multi Family

  • Total Fireplaces: 1

Tax Info

  • Year: 24
  • Tax Annual Amount: 2971.84

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
$587,459

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$10,541
Avg. Annual Appreciation
-2.31%
Original Mortgage
$318,000
Outstanding Balance
$317,725
Interest Rate
6.72%
Mortgage Type
New Conventional
Estimated Equity
$269,734

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
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
Not Available
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
$598,000 --
$563,000 --
-- --
$304,500 --
$222,500 --
$209,000 --
-- --
$64,000 --
$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 Borrower Loan Amount
Open $318,000
Previous Owner $450,400
Previous Owner $243,600
Previous Owner $200,250
Previous Owner $167,200
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

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 $3,826 $139,363 $39,100 $100,263
2024 $3,201 $105,123 $39,100 $66,023
2023 $2,994 $100,560 $39,100 $61,460
2022 $2,590 $86,991 $29,070 $57,921
2021 $2,587 $82,746 $29,070 $53,676
2020 $2,454 $77,718 $29,070 $48,648
2019 $2,464 $77,718 $29,070 $48,648
2018 $2,464 $77,718 $29,070 $48,648
2017 $2,189 $67,946 $29,070 $38,876
2016 $2,155 $67,945 $29,070 $38,875
2015 $2,266 $68,218 $29,070 $39,148
2014 $2,144 $63,520 $24,040 $39,480
2013 -- $63,520 $24,040 $39,480
Source: Public Records

Agents Affiliated with this Home

  • Stephen Caudell

    Seller's Agent in 2025

    Stephen Caudell

    Hammock Realty North Georgia

    (706) 491-3245

    268 Total Sales

    Stephen Caudell
    Section Image

  • M

    Buyer's Agent in 2025

    Michael Miller

    Keller Williams Lake Hartwell

    (678) 469-9916

    144 Total Sales

    Michael Miller
    Section Image
  • Spot On The Lake

    Seller's Agent in 2024

    Spot On The Lake

    Lake Hartwell Partners, LLC

    (678) 469-9917

    220 Total Sales

    Spot On The Lake
    Section Image
  • Travis Halbrook

    Buyer's Agent in 2024

    Travis Halbrook

    EXP Realty LLC

    (706) 949-1719

    219 Total Sales

    Travis Halbrook
    Section Image
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Map

Source: Georgia MLS

MLS Number: 10565598

Georgia MLS

APN: 057E-152

Georgia Stephens County Toccoa 30577

384 Cardinal Ln, Toccoa, GA

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