396 Cardinal Lane Toccoa, GA $ 445,000
396 Cardinal Lane
$ 445,000
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396 Cardinal Lane

Toccoa, GA, 30577
$ 445,000
Bedrooms3 Baths2.0 Sq 2,520

Monthly Estimate*

$ 2,776

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Single Family Home for sale in Toccoa, GA

for $445,000 with 3 bedrooms and 2 full baths. This 2,520 square foot home was built in 1987 on a lot size of 0.33.

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.

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Single Family Pending

Price

$ 445,000

Bedrooms

3

Full Bath

2

Property Type

Single Family

Taxes

$ 3,427

Style

Lot Size

0.33

Year Built

1987

Town/City

Toccoa

County/Region

Stephens

MLS | Web ID

10615530

Features
Interior
Interior Amenities Master On Main Level Tile Bath
Basement Daylight Finished
Flooring Carpet Tile
Total Fireplaces 0
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N N
Above Grade Finished Area 1520
Half Baths 0
Laundry Features In Basement
Total Bedrooms 3
Below Grade Finished Area 1000
Main Level Bedrooms 1
Main Level Bathrooms 1
Below Grade Finished Area Unit Type Square Feet
Above Grade Finished Area Unit Type Square Feet
Total Baths 2
Dining Room Features Dining Rm/Living Rm Combo
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General
Sewer Septic Tank
Heating Central Electric
Cooling Central Air Electric
Utilities Other
Roof Other
Appliances Dishwasher Electric Water Heater Microwave Range Refrigerator Stainless Steel Appliance(s)
HOA Fee 200
Association Fee Includes Insurance Maintenance Grounds Swimming Tennis
Patio/Porch Features Deck Screened
Architectural Style Other
Security Features Security System
Construction Materials Other Wood Siding
Year Built 1987
View Lake
Levels Two
Property Subtype Single Family Residence
Tax Year 24
Waterfront Features Corps of Engineers Control Deep Water Access Floating Dock Lake Lake Privileges
Community Features Clubhouse Lake Pool Shared Dock Tennis Court(s)
County Stephens
New Construction N
Property Type Residential
HOA Y
Attached Garage N
Subdivision Name Shorewood Estates
Garage Y/N N
Other Structures Outbuilding
Full Baths 2
Status Under Contract
Directions GPS
High School Stephens County
City Toccoa
Body of Water Lake Hartwell
Senior Community Y/N N
Lot Size Units Square Feet
Lot Size Square Feet 14374.8
Carport Y/N Y
Elementary School Other
Property Attached Y/N N
Land Lease Y/N N
Tax Annual Amount 3427.8
Home Warranty Y/N N
Middle/Junior High School Stephens County
Property Condition Resale
Structure Type House
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Pending
Virtual Tour https://www.zillow.com/view-imx/edd8a612-7d70-47bb-b3cb-5fbde843c0fd?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard
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Exterior
Exterior Amenities Dock
Parking Features Carport
Lot Features Sloped
Water Source Public
Lot Size Area 14374.8
Spa N
Building Area Total 2520
Lot Size Acres 0.33
Frontage Type Lakefront
Lot Size Source Public Records
Waterfront Y/N Y
Horse Y/N N
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* Excluded Features
List By
Hammock Realty North Georgia

Broker

soldbynicolewright@gmail.com

Email

Affordability Calculator

$3,062
Per Month
91%
9%
0%
Monthly Principal & Interest
$2,776
Monthly Property Taxes
$286
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
5338693 Elementary School
4134109 Middle School
Stephens County High School High School
Pricing History
DatePricePrice ChangeDescription
10/1/2025$445,000 Listed Price

Map


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396 Cardinal Lane, Toccoa, GA, 30577 is a Single Family Home for sale at $445,000 with 2,520 sqft and a lot size of 0.33. 396 Cardinal Lane has 3 bedrooms, 2.0 baths, and was built in 1987. The property's zip code is 30577 which is in Toccoa, GA