396 Cardinal Ln

Toccoa, GA 30577

$445,000
Price
3
Beds
2,520 Sq. Ft.
$177 / Sq. Ft.
2,520
Sq. Ft.
$177
per Sq. Ft.
Under Contract
Under Contract
a front view of a house with a yard and garage
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a front view of a house with a yard and outdoor seating
a front view of a house with a yard and potted plants
a front view of a house with garden
a front view of a house with a yard and garage
a front view of a house with a yard and potted plants
a front view of a house with a garden and trees
a front view of a house with a yard
a front view of a house with a yard
a view of a bathroom with a glass door
a bathroom with a granite countertop sink toilet and shower
a bathroom with a granite countertop sink a toilet and a mirror
a bathroom with a sink and a bathtub
a living room with furniture and a flat screen tv
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a living room with furniture and a flat screen tv
a living room with furniture and a flat screen tv
a living room with furniture a flat screen tv and a large window
a bedroom with a bed and a flat screen tv
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a bedroom with furniture and windows
a bedroom with a bed and a flat screen tv
a spacious bedroom with a bed and a large window
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a dining room with furniture a large window and a rug
a kitchen with stainless steel appliances kitchen island granite countertop a refrigerator a stove and a sink with granite countertops
a kitchen with stainless steel appliances granite countertop a refrigerator and a stove top oven
a kitchen with stainless steel appliances granite countertop a sink a stove and cabinets
a kitchen with granite countertop a sink stove and cabinets
a kitchen with stainless steel appliances granite countertop a stove a microwave and a refrigerator
a kitchen with granite countertop lots of clutter and stainless steel appliances
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a bathroom with a sink and a mirror
a bathroom with a granite countertop sink a mirror and shower
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a bedroom with a bed and a flat screen tv
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an aerial view of residential house with outdoor space and trees all around

Description

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...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.
  1. Listed by Nicole Wright • Hammock Realty North Georgia

Property Details for 396 Cardinal Lane

Subdivision
Shorewood Estates
Style
Other
Exterior
Dock
Fees Include
Insurance, Maintenance Grounds, Swimming, Tennis
Parking
Carport
LISTING UPDATED: 11/26/2025 07:57 PM

Property Details for 396 Cardinal Lane

StatusUnder Contract
MLS #10615530
Days on Market57
Taxes$3,428 / year
HOA Fees$200 / year
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built1987
Lot Size0.33 AC / 14,374 SF
CountyStephens County

Location

Listing Courtesy of Hammock Realty North Georgia, Nicole Wright
Add your commute

Building Information for 396 Cardinal Lane

Stories2Year Built1987Building Size-Lot Size0.33 AC / 14,374 SF

Payment Calculator

$2,501 per month

30 year fixed, 6.28% Interest

Principal and Interest

$2,199

Property Taxes

$286

HOA Dues

$17

The Payment Calculator is for illustrative purposes only.

Property Information for 396 Cardinal Lane

Summary
Location and General Information
  • Elementary School: Other
  • ES Bus: Yes
  • High School: Stephens County
  • High School Bus: Yes
  • Middle School: Stephens County
  • Middle School Bus: Yes
  • Amenities: Clubhouse, Lake, Pool, Shared Dock, Tennis Court(s)
  • Security Features: Security System
  • Directions: GPS
  • Lot Description: Sloped
Taxes and HOA
  • Association: Yes
  • Parcel Number: 057E 153
Interior and Exterior Features
Interior Features
  • Total Fireplaces: 0
  • BAF Lower: 1
  • BAF Main: 1
  • BAF Upper: 0
  • BAH Lower: 0
  • BAH Main: 0
  • BAH Upper: 0
  • BR Lower: 2
  • BR Main: 1
  • BR Upper: 0
  • Interior: Master On Main Level, Tile Bath
  • Rooms: Laundry, Sun Room
  • Laundry Features: In Basement
  • Basement Description: Daylight, Finished
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Oven/Range (Combo), Refrigerator, Stainless Steel Appliance(s)
  • Flooring: Carpet, Tile
Exterior Features
  • Roof Type: Other
  • View: Lake
  • Patio And Porch Features: Deck, Screened
Property
Utilities
  • Cooling: Central Air, Electric
  • Heating Type: Central, Electric
  • Water/Sewer: Septic Tank
  • Utilities: Other
  • Water Source: Public
Property and Assessments
  • Tax Year: 24
  • Below Grade Finished: 1000
  • Construction: Other, Wood Siding
  • Stories: Two
  • Other Sturctures: Outbuilding
  • Leased Land: No
  • Property Condition: Resale
Lot Information
  • Waterfront Description: 1
  • Setting: Lakefront
  • Water Description: Corps of Engineers Control, Deep Water Access, Floating Dock, Lake, Lake Access
  • Above Grade Finished: 1520
Room Information
Room Information
  • Diningroom Features: Dining Rm/Living Rm Combo

Property History for 396 Cardinal Lane

DateEvent & SourcePriceAppreciation
May 22, 2019

Sold (Public Record)

Public Record #646270059

$207,000—
DateEvent & SourcePrice
05/22/2019

Sold (Public Record)

Public Record #646270059

$207,000

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

Public Records for 396 Cardinal Lane

Taxable ValueLand$34,759Additions$86,493Total$121,252
Tax Record2024$3,692 ($308 / month)
Home Facts
Beds3Baths2Total Finished SqFt2,520 SqFtAbove Grade Finished SqFt2,520 SqFtStories1Lot Size14,375 SqFtStyleSingle Family ResidenceYear Built1987Year Renovated2011ZoningRSCountySTEPHENSAPN057E 153Fireplace TypeHas Fireplace

Schools near 396 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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Listing Courtesy of Hammock Realty North Georgia, Nicole Wright

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.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 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.