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.
Active
$445,000
396 Cardinal Ln, Toccoa, GA 30577
3beds
2,520sqft
Est.:
Single Family Residence
Built in 1987
0.33 Acres Lot
$439,700 Zestimate®
$177/sqft
$17/mo HOA
What's special
Beautiful lake viewsExpansive deckTwo-car carportLarge islandCovered slip dockNatural lightStainless steel appliances
- 183 days |
- 1,646 |
- 73 |
Zillow last checked: 7 hours ago
Listing updated: March 26, 2026 at 04:36pm
Listed by:
Nicole Wright 706-491-1403,
Magnolia Realty & PropertyManagement
Source: GAMLS,MLS#: 10615530
Tour with a local agent
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: $303,130
- Annual tax amount: $3,427
- Date on market: 9/30/2025
- Cumulative days on market: 122 days
- Listing agreement: Exclusive Right To Sell
Estimated market value
$439,700
$418,000 - $462,000
$2,282/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 1/26/2026 | Listed for sale | $445,000$177/sqft |
Source:  GAMLS #10615530 Report a problem | ||
| 11/27/2025 | Pending sale | $445,000$177/sqft |
Source: GAMLS #10615530 Report a problem | ||
| 10/1/2025 | Listed for sale | $445,000-19.1%$177/sqft |
Source: GAMLS #10615530 Report a problem | ||
| 12/13/2023 | Listing removed | $549,900$218/sqft |
Source: GAMLS #10186507 Report a problem | ||
| 8/12/2023 | Price change | $549,900-8.2%$218/sqft |
Source: GAMLS #10186507 Report a problem | ||
| 7/29/2023 | Listed for sale | $599,000+189.4%$238/sqft |
Source: GAMLS #10186507 Report a problem | ||
| 5/22/2019 | Sold | $207,000-10%$82/sqft |
Source: Public Record Report a problem | ||
| 4/26/2019 | Pending sale | $229,900$91/sqft |
Source: Berkshire Hathaway HomeServices Georgia Properties #6121454 Report a problem | ||
| 3/1/2019 | Price change | $229,900-4.2%$91/sqft |
Source: Berkshire Hathaway HomeServices Georgia Properties - 85 North #6121454 Report a problem | ||
| 1/17/2019 | Listed for sale | $239,900$95/sqft |
Source: Berkshire Hathaway HomeServices Georgia Properties #6121454 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 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
BuyAbility℠ payment
Est. payment
$2,567/mo
Principal & interest
$2242
Property taxes
$308
HOA Fees
$17
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Climate risks
Neighborhood: 30577
Getting around
0 / 100
Car-DependentNearby schools
GreatSchools rating
- NABig A Elementary SchoolGrades: PK-KDistance: 7 mi
- 4/10Stephens County Middle SchoolGrades: 6-8Distance: 7.4 mi
- 5/10Stephens County High SchoolGrades: 9-12Distance: 6.8 mi
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.
Local experts in 30577
- Georgia
- Stephens County
- Toccoa
- 30577
- 396 Cardinal Ln
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