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    • $445,000

    396 Cardinal Ln, Toccoa, GA 30577

    3beds
    2,520sqft
    : 
    $2,912/mo
    Get pre-qualified
    Single Family Residence
    Built in 1987
    0.33 Acres Lot
    $441,100 Zestimate®
    $177/sqft
    $17/mo HOA

    What's special

    Beautiful lake viewsExpansive deckTwo-car carportLarge islandCovered slip dockNatural lightStainless steel appliances
    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.
    322 days
    |
    974
    |
    78
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Nicole Wright 706-491-1403,

    Magnolia Realty & PropertyManagement,

    Brandy Tatum 706-391-5055,

    Magnolia Realty & PropertyManagement

    Source: GAMLS,MLS#: 10615530MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      • Main level bathrooms: 1
      • Main level bedrooms: 1
      Rooms
      • Room types: Laundry, Sun Room
      Dining room
      • Features: Dining Rm/Living Rm Combo
      Heating
      • Central, Electric
      Cooling
      • Central Air, Electric
      Appliances
      • Included: Dishwasher, Electric Water Heater, Microwave, Oven/Range (Combo), Refrigerator, Stainless Steel Appliance(s)
      • Laundry: In Basement
      Features
      • Master On Main Level, Tile Bath
      • Flooring: Carpet, Tile
      • Basement: Daylight,Finished
      • Has fireplace: No
      Interior area
      • Total structure area: 2,520
      • Total interior livable area: 2,520 sqft
      • Finished area above ground: 1,520
      • Finished area below ground: 1,000
      Video & virtual tour

      Property

      Parking
      • Parking features: Carport
      • Has carport: Yes
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck, Screened
      • Exterior features: Dock
      • Has view: Yes
      • View description: Lake
      • Has water view: Yes
      • Water view: Lake
      • Waterfront features: Corps of Engineers Control, Deep Water Access, Floating Dock, Lake, Lake Privileges
      • Body of water: Lake Hartwell
      • Frontage type: Lakefront
      Lot
      • Size: 0.33 Acres
      • Features: Sloped
      Details
      • Additional structures: Outbuilding
      • Parcel number: 057E 153

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Other
      • Property subtype: Single Family Residence
      Materials
      • Other, Wood Siding
      • Roof: Other
      Condition
      • Resale
      • New construction: No
      • Year built: 1987

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Public
      • Utilities for property: Other

      Community & HOA

      Community
      • Features: Clubhouse, Lake, Pool, Shared Dock, Tennis Court(s)
      • Security: Security System
      • Subdivision: Shorewood Estates
      HOA
      • Has HOA: Yes
      • Services included: Insurance, Maintenance Grounds, Swimming, Tennis
      • HOA fee: $200 annually
      Location
      • Region: Toccoa

      Financial & listing details

      • Price per square foot: $177/sqft
      • Tax assessed value: $416,693
      • Annual tax amount: $3,427
      • Date on market: 9/30/2025
      • Cumulative days on market: 260 days
      • Listing agreement: Exclusive Right To Sell

        Estimated market value

        $441,100

        $419,000 - $463,000

        $2,077/mo

        Price history

        DateEventPrice
        1/26/2026Listed for sale$445,000$177/sqft
        Source: GAMLS #10615530 Report a problem
        11/27/2025Pending sale$445,000$177/sqft
        Source: GAMLS #10615530 Report a problem
        10/1/2025Listed for sale$445,000-19.1%$177/sqft
        Source: GAMLS #10615530 Report a problem
        12/13/2023Listing removed$549,900$218/sqft
        Source: GAMLS #10186507 Report a problem
        8/12/2023Price change$549,900-8.2%$218/sqft
        Source: GAMLS #10186507 Report a problem
        7/29/2023Listed for sale$599,000+189.4%$238/sqft
        Source: GAMLS #10186507 Report a problem
        5/22/2019Sold$207,000-10%$82/sqft
        Source: Public Record Report a problem
        4/26/2019Pending sale$229,900$91/sqft
        Source: Berkshire Hathaway HomeServices Georgia Properties #6121454 Report a problem
        3/1/2019Price change$229,900-4.2%$91/sqft
        Source: Berkshire Hathaway HomeServices Georgia Properties - 85 North #6121454 Report a problem
        1/17/2019Listed for sale$239,900$95/sqft
        Source: Berkshire Hathaway HomeServices Georgia Properties #6121454 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$4,575 +29.7%$166,677 +37.5%
        2024$3,528 +13.2%$121,252 +18.5%
        2023$3,116 +16.7%$102,332 +14.1%
        2022$2,669 -0.3%$89,655 +4.7%
        2021$2,678 +2.4%$85,638 +0.2%
        2020$2,615 -7.2%$85,454 -3.8%
        2019$2,817 +17.2%$88,848 +19.1%
        2018$2,403 +1.6%$74,607
        2017$2,366 +2.8%$74,607
        2016$2,302 $74,607 -0.1%
        2015$2,302 -4.7%$74,714 +5.8%
        2014$2,415 +4.3%$70,598 -0.3%
        2013$2,316 $70,840
        2012-- --
        2011-- --
        2010-- --
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 30577

        Getting around

        0 / 100
        Car-Dependent

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Middle: Stephens
        • High: Stephens

        Source: GAMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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