384 Cardinal Lane

Sold 8/27/25
Sold 8/27/25
Gallery Image 1
Sold
Last Sold Price
$598,000
4 beds2,400 sqft
384 Cardinal Ln, Toccoa, GA 30577
Single FamilyProperty Type
0.28 acresLot Size
2001Year Built
$249/sq ftPrice per sq ft

Description

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...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.
  • Listed by: Stephen Caudell • Hammock Realty North Georgia
Listing closed: 08/27/2025 04:00 AM • Source: GAMLS, MLS#: 10565598

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Recent comparable sales

Median sold price

$520,000

Avg days on market

67

Sale-to-list ratio

95.2%

Toccoa, GA

9 comparable properties found

$480,000 | 364 Cardinal Lane, Toccoa, GA 30577
1/30
1

$480,000

Sold 07/08/25

4
Bedrooms
2,620
Square Feet
0.28
Acres

364 Cardinal Lane, Toccoa, GA 30577

a front view of a house with swimming pool
2

$410,000

Sold 01/16/25

4
Bedrooms
2,137
Square Feet
1.45
Acres

258 Currahee Ridge Road, Toccoa, GA 30577

3

$390,000

Sold 02/28/25

4
Bedrooms
3
Bathrooms
2,239
Square Feet
0.68
Acres

525 Shawnee Trail, Toccoa, GA 30577

a front view of a house with a yard
4

$550,000

Sold 12/18/24

3
Bedrooms
2,088
Square Feet
1.01
Acres

321 Spring Branch Circle, Toccoa, GA 30577

$680,000 | 90 Southern Trace, Toccoa, GA 30577
5

$680,000

Sold 08/25/25

3
Bedrooms
2,672
Square Feet
0.38
Acres

90 Southern Trace, Toccoa, GA 30577

a front view of a house with a garden
6

$621,000

Sold 05/08/25

4
Bedrooms
2,960
Square Feet
0.29
Acres

80 Cottage Lane, Toccoa, GA 30577

$377,000 | 1042 Lakeland Drive, Toccoa, GA 30577
7

$377,000

Sold 07/07/26

4
Bedrooms
2,926
Square Feet
1.1
Acres

1042 Lakeland Drive, Toccoa, GA 30577

$825,000 | 410 Edgewater Trail, Toccoa, GA 30577
8

$825,000

Sold 09/24/26

4
Bedrooms
2,754
Square Feet
0.47
Acres

410 Edgewater Trail, Toccoa, GA 30577

an aerial view of a house with pool and yard
9

$520,000

Sold 02/04/26

3
Bedrooms
1,995
Square Feet
14.25
Acres

114 Aaron Drive, Toccoa, GA 30577

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Location

Listing Courtesy of Hammock Realty North Georgia, Stephen Caudell

Sold By Keller Williams Lake Hartwell, Michael Miller

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$3,440 per month

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Principal and Interest

$3,192

Property Taxes

$248

HOA Dues

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Property Information for 384 Cardinal Lane

Property Details
  • Taxes: $2,972 / year
  • MLS Type: Residential / Single Family Residence
  • County: Stephens County
  • Subdivision: Shorewood Est
  • Style: Other, Traditional
  • Exterior: Dock
  • Fees Include: None
  • Parking: Parking Pad
Building Information
  • Stories: 2
  • Year Built: 2001
  • Lot Size: 0.28 AC / 12,196 SF
Summary
Location and General Information
  • Elementary School: Out of Area
  • High School: Stephens County
  • Middle School: Stephens County
  • Amenities: None
  • Directions: I-85 Exit 173 head west R on 328/Gumlog. L on Tower. L on Brookhaven Circle. R on Silver Shoals. L on Holly Springs. R on Lakeland. R on Shorewood. Country Club DR. to L on Beechwood. L on Sparrow. L on Cardinal.
  • Lot Description: Sloped
Taxes and HOA
  • Association: No
  • Parcel Number: 057E 152
Interior and Exterior Features
Interior Features
  • Total Fireplaces: 1
  • BAF Lower: 1
  • BAF Main: 2
  • BAF Upper: 0
  • BAH Lower: 0
  • BAH Main: 0
  • BAH Upper: 0
  • BR Lower: 2
  • BR Main: 2
  • BR Upper: 0
  • Fireplace Features: Basement, Factory Built
  • Interior: Double Vanity, Master On Main Level, Vaulted Ceiling(s)
  • Kitchen Features: Breakfast Bar
  • Rooms: Bonus Room, Family Room, Laundry
  • Laundry Features: In Basement
  • Basement Description: Bath Finished, Concrete, Daylight, Exterior Entry, Finished, Full, Interior Entry
  • Appliances: Dishwasher, Oven/Range (Combo), Refrigerator
  • Flooring: Vinyl
  • Window Features: Double Pane Windows
Exterior Features
  • Roof Type: Metal
  • View: Lake
  • Patio And Porch Features: Deck, Porch
Property
Utilities
  • Cooling: Ceiling Fan(s), Central Air
  • Heating Type: Central
  • Water/Sewer: Septic Tank
  • Utilities: Electricity Available, High Speed Internet, Phone Available, Water Available
  • Water Source: Public
Property and Assessments
  • Tax Year: 24
  • Below Grade Finished: 1200
  • Construction: Vinyl Siding
  • Stories: Two
  • Deed Page: 221
  • Plat Page: 44
  • Leased Land: No
  • Property Condition: Resale
  • Deed Book: 1377
  • Plat Book: 16
Lot Information
  • Waterfront Footage: 85
  • Waterfront Description: 1
  • Setting: Lakefront, Waterfront
  • Water Description: Corps of Engineers Control, Deep Water Access, Dock Rights, Lake, Lake Access
  • Above Grade Finished: 1200
Room Information
Room Information
  • Diningroom Features: Dining Rm/Living Rm Combo

Property History for 384 Cardinal Lane

DateEvent & SourcePriceAppreciation
Aug 27, 2025

Sold (Public Record)

Public Record #1913262682

$598,000

+6.0% / yr

Aug 12, 2024

Sold (Public Record)

Public Record #1539893226

$563,000

+16.0% / yr

Jun 22, 2020

Sold (Public Record)

Public Record #671715844

$304,500

+12.3% / yr

DateEvent & SourcePrice
08/27/2025

Sold (Public Record)

Public Record #1913262682

$598,000

+6.0% / yr

08/12/2024

Sold (Public Record)

Public Record #1539893226

$563,000

+16.0% / yr

06/22/2020

Sold (Public Record)

Public Record #671715844

$304,500

+12.3% / yr

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 384 Cardinal Lane

Taxable ValueLand$39,100Additions$100,263Total$139,363
Tax Record2025$3,826 ($319 / month)
Home Facts
Beds3Baths2Total Finished SqFt2,548 SqFtAbove Grade Finished SqFt1,794 SqFtFinished Basement SqFt754 SqFtUnfinished Basement SqFt286 SqFtStories1Lot Size12,197 SqFtStyleSingle Family ResidenceYear Built2001Year Renovated2010ZoningRSCountySTEPHENSAPN057E 152

Schools near 384 Cardinal Lane

This home is within Stephens County School District.
Rating
School
Type
Grades
Distance
Stephens County Fifth Grade Academy
Public - 5
Stephens County Middle School
Public - 6 to 8
Stephens County High School
Public - 9 to 12
Toccoa Elementary School
Public - 2 to 4
Rating
School
Distance
Stephens County Fifth Grade Academy
Public5

Stephens County Middle School
Public6 to 8

Stephens County High School
Public9 to 12

Toccoa Elementary School
Public2 to 4

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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Nearby home values

AddressSold priceBedsBathsSqftLot (Sqft)
This home: 384 Cardinal Lane, Toccoa, GA 30577
$598,000
4
2,400
12,196
408 Cardinal Lane, Toccoa, GA 30577
$28,000
–
–
–
11,761
432 Cardinal Lane, Toccoa, GA 30577
–
–
–
840
13,939
374 Cardinal Lane, Toccoa, GA 30577
–
2
2
2,094
12,197
444 Cardinal Lane, Toccoa, GA 30577
$248,000
3
1,200
10,454
364 Cardinal Lane, Toccoa, GA 30577
$480,000
4
2,620
12,196

Explore Nearby Homes

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Hammock Realty North Georgia, Stephen Caudell

Based on information from one of the following Multiple Listing Services:FMLS,FMLS_CS,GAMLS,Middle GA MLS,Columbus Board of REALTORS, Northeast Georgia Board of REALTORS, Tiftarea Board of Realtors.Information being provided is for the visitor's personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by FMLS,FMLS_CS,GAMLS, Middle GA MLS,Columbus Board of REALTORS, Northeast Georgia Board of REALTORS, Tiftarea Board of Realtors is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.