396 Cardinal Ln Toccoa, GA 30577
Estimated payment $2,665/month
Highlights
- Lake Front
- Community Lake
- Deck
- 1 Boat Dock
- Clubhouse
- Main Floor Primary Bedroom
About This Home
Welcome to your Lake Hartwell retreat! This 3-bedroom, 2-bathroom lakefront home offers the perfect blend of charm, comfort, and convenience. The home features a spacious kitchen with granite countertops, stainless steel appliances, and a large island, all filled with natural light streaming through the numerous windows. The primary bedroom is located on the main level and includes a cozy sitting area that can be used as an office, nursery, art studio, or powder room. With plenty of space for a large dining table, entertaining is effortless both inside and out. Step onto the expansive deck or relax on the covered porch while enjoying beautiful lake views. Outside, you'll find a two-car carport and an outbuilding that complements the home's exterior, perfect for storage of household items, lawn equipment, or lake toys. The covered slip dock provides direct lake access, while the neighborhood amenities include a private paved boat launch, community dock, clubhouse, swimming pool, tennis court, and open green space. With recent updates including a 7-year-old roof and newer HVAC and hot water heater (approx. 2 years old), this home is move-in ready. Whether you're looking for a weekend getaway or a full-time residence, this property offers everything you need to enjoy the best of Lake Hartwell living.
Listing Agent
Magnolia Realty & PropertyManagement License #386880 Listed on: 09/30/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $3,428
Year Built
- Built in 1987
Lot Details
- 0.33 Acre Lot
- Lake Front
- Sloped Lot
HOA Fees
- $17 Monthly HOA Fees
Parking
- Carport
Home Design
- Wood Siding
Interior Spaces
- 2-Story Property
- Combination Dining and Living Room
- Sun or Florida Room
- Screened Porch
- Lake Views
- Home Security System
- Laundry Room
Kitchen
- Oven or Range
- Microwave
- Dishwasher
- Stainless Steel Appliances
Flooring
- Carpet
- Tile
Bedrooms and Bathrooms
- 3 Bedrooms | 1 Primary Bedroom on Main
- Bathtub Includes Tile Surround
Finished Basement
- Laundry in Basement
- Natural lighting in basement
Outdoor Features
- Access To Lake
- Deep Water Access
- Army Corps Of Engineers Controlled
- 1 Boat Dock
- Deck
- Outbuilding
Schools
- Stephens County Middle School
- Stephens County High School
Utilities
- Central Heating and Cooling System
- Electric Water Heater
- Septic Tank
Community Details
Overview
- Association fees include insurance, ground maintenance, swimming, tennis
- Shorewood Estates Subdivision
- Community Lake
Amenities
- Clubhouse
Recreation
- Boat Dock
- Tennis Courts
- Community Pool
Map
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 |
|---|---|---|---|---|
| 2025 | $4,575 | $166,677 | $34,759 | $131,918 |
| 2024 | $3,692 | $121,252 | $34,759 | $86,493 |
| 2023 | $3,046 | $102,332 | $34,759 | $67,573 |
| 2022 | $2,669 | $89,655 | $25,842 | $63,813 |
| 2021 | $2,678 | $85,638 | $25,842 | $59,796 |
| 2020 | $2,615 | $85,454 | $25,842 | $59,612 |
| 2019 | $2,817 | $88,848 | $25,992 | $62,856 |
| 2018 | $2,366 | $74,607 | $25,992 | $48,615 |
| 2017 | $2,339 | $74,607 | $25,992 | $48,615 |
| 2016 | $2,302 | $74,607 | $25,992 | $48,615 |
| 2015 | $2,415 | $74,714 | $25,992 | $48,722 |
| 2014 | $2,316 | $70,598 | $16,440 | $54,158 |
| 2013 | -- | $70,840 | $16,440 | $54,400 |
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 01/26/2026 01/26/26 | For Sale | $445,000 | 0.0% | $177 / Sq Ft | |
| 11/26/2025 11/26/25 | Pending | -- | -- | -- | |
| 09/30/2025 09/30/25 | For Sale | $445,000 | +115.0% | $177 / Sq Ft | |
| 05/22/2019 05/22/19 | Sold | $207,000 | -10.0% | $82 / Sq Ft | View Prior Sale |
| 04/07/2019 04/07/19 | Pending | -- | -- | -- | |
| 03/01/2019 03/01/19 | Price Changed | $229,900 | -4.2% | $91 / Sq Ft | |
| 01/17/2019 01/17/19 | For Sale | $239,900 | -- | $95 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $207,000 | -- | |
| Warranty Deed | $58,000 | -- | |
| Deed | -- | -- | |
| Deed | $10,500 | -- |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $200,790 | New Conventional |
Source: Georgia MLS
MLS Number: 10615530
APN: 057E-153
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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