396 Cardinal Ln, Toccoa, GA 30577
Property image
Property image
FOR SALE
3D VIEW
0.33 ACRES

$445,000

  • 3 Beds
  • 2 Baths
  • 2,520 sqft (on 0.33 acres)

396 Cardinal Ln, Toccoa, GA 30577

Est. Mortgage $2,707/mo*
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Home Highlights

Single-Family Home
Built in 1987
0.33 acre lot
$177/sqft
Carport
HOA $17/mo

Local Information

  • Map ViewExplore the area around 396 Cardinal Ln.
  • Schools1 Preschool School4 Elementary Schools1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

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.
Last check for updates: about 5 hours ago
Listing courtesy of Nicole Wright, (706) 491-1403
Magnolia Realty & PropertyManagement
Brandy Tatum, (706) 391-5055
Magnolia Realty & PropertyManagement
Source: GAMLS, MLS#10615530
Also Listed on GAMLS.

Home Details for 396 Cardinal Ln

Active Status

MLS Status: Active

Interior Features

Interior Details
Basement: Daylight,FinishedNumber of Rooms: 1Types of Rooms: Dining Room
Beds & Baths
Number of Bedrooms: 3Main Level Bedrooms: 1Number of Bathrooms: 2Number of Bathrooms (full): 2Number of Bathrooms (main level): 1
Dimensions and Layout
Living Area: 2520 Square Feet
Appliances & Utilities
Utilities: OtherAppliances: Dishwasher, Electric Water Heater, Microwave, Oven/Range (Combo), Refrigerator, Stainless Steel Appliance(s)DishwasherLaundry: In BasementMicrowaveRefrigerator
Heating & Cooling
Heating: Central,ElectricHas CoolingAir Conditioning: Central Air,ElectricHas HeatingHeating Fuel: Central
Fireplace & Spa
No Fireplace
Windows, Doors, Floors & Walls
Flooring: Carpet, Tile
Levels, Entrance, & Accessibility
Stories: 2Levels: TwoFloors: Carpet, Tile
View
Has a ViewView: Lake
Security
Security: Security System

Exterior Features

Exterior Home Features
Roof: OtherPatio / Porch: Deck, ScreenedOther Structures: OutbuildingExterior: DockNo Private Pool
Parking & Garage
Has a CarportNo GarageNo Attached GarageParking: Carport
Frontage
WaterfrontWaterfront: Corps of Engineers Control, Deep Water Access, Floating Dock, Lake, Lake PrivilegesFrontage Type: LakefrontOn Waterfront
Water & Sewer
Sewer: Septic TankWater Body: Lake Hartwell
Finished Area
Finished Area (above surface): 1520 Square FeetFinished Area (below surface): 1000 Square Feet

Days on Market

Cumulative Days on Market: 251Days on Market: 180+

Property Information

Year Built
Year Built: 1987
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceStructure Type: HouseArchitecture: Other
Building
Construction Materials: Other, Wood SidingNot a New ConstructionDoes Not Include Home Warranty
Property Information
Condition: ResaleParcel Number: 057E 153

Price & Status

Price
List Price: $445,000Price Per Sqft: $177
Status Change & Dates
Possession Timing: Close Of Escrow

Media

Location

Direction & Address
City: ToccoaCommunity: Shorewood Estates
School Information
Elementary School: OtherJr High / Middle School: StephensHigh School: Stephens

Agent Information

Listing Agent
Listing ID: 10615530

Building

Building Area
Building Area: 2520 Square Feet

Community

Community Features: Clubhouse, Lake, Pool, Shared Dock, Tennis Court(s)

HOA

HOA Fee Includes: Insurance, Maintenance Grounds, Swimming, TennisHas an HOAHOA Fee: $200/Annually

Lot Information

Lot Area: 0.33 acres

Offer

Listing Agreement Type: Exclusive Right To Sell

Miscellaneous

BasementMls Number: 10615530Water ViewWater View: LakeAbove Grade Unfinished Area: 1520Back On Market Date: Mon Jan 26 2026Showing Requirements: Appointment Only, Use Showing Time

Additional Information

ClubhouseLakePoolShared DockTennis Court(s)

Around this home

View nearby schools on GreatSchools
The GreatSchools Rating compares schools on a variety of school quality indicators including test scores, college readiness, equity and more. Learn more.

What Locals Say about Toccoa

At least 69 Trulia users voted on each feature.

  • 96 % Say car is needed

  • 90 % Say yards are well-kept

  • 90 % Say parking is easy

  • 84 % Say there's holiday spirit

  • 63 % Say it's dog friendly

  • 55 % Say there's wildlife

  • 52 % Say it's quiet

  • 52 % Say they plan to stay for at least 5 years

  • 49 % Say neighbors are friendly

  • 49 % Say people would walk alone at night

  • 49 % Say streets are well-lit

  • 48 % Say kids play outside

  • 41 % Say it's walkable to restaurants

  • 34 % Say there are community events

  • 34 % Say it's walkable to grocery stores

  • 22 % Say there are sidewalks

Sourced by Trulia users. Learn more about our methodology.
  • Quinnon Isom
    "Great neighborhood with endless opportunities and possibilities for families to thrive and enjoy each other in this beautiful community."
    0
    Flag
  • Paynerayven88
    "i’ve lived here most of my life and it’s decent. some places are a little bit or dangerous than others. some neighborhoods are very nice and well kept and others aren’t so nice and aren’t kept up very much. toccoa is small enough to where most people just drive or walk to places but i definitely don’t recommend walking at night "
    0
    Flag
  • Cliffordearls
    "Toccoa is a really nice town we have to colleges and one is a Christian college we have gym's restaurant's shopping Park's with water falls"
    8
    Flag
  • Sweetcina02
    "It's the meth capital of North GA. If you aren't already here save yourself the trouble. I was once so excited. I wish I had done more research before moving. "
    1
    Flag
  • Trulia User
    "I'm retired, so I don't commute. If I did commute to say Atlanta, it would be a direct route. The only problem would be running into traffic, once you reach Gwinnett county."
    6
    Flag
  • Tmccampbell
    "It’s wonderful for dogs lots of wild life, and plenty of dog owners in the neighborhood. Loads of walking trails and space for your dog "
    0
    Flag
  • Gizem B. A.
    "I lived here for three years just living. very quite city and need more public space playground and especially sidewalks iwantto walk to market it is not far to my home but sidewalks are insufficient"
    6
    Flag
  • Melissa B.
    "I live outside the town of Toccoa. It is a small town with limited shopping options however there are larger cities about an hour away. "
    0
    Flag
  • Laura K. Payne
    "This is a wonderful neighborhood for dog owners—tons of beautiful roads and sidewalks to walk them on, dog parks, hundreds of miles of trails, and it’s just a generally dog-friendly town. My bank even gives my furbaby a bone when we go through the drive-thru! "
    0
    Flag
  • Laura
    "Toccoa is a wonderful small town (though growing rapidly!). It’s the perfect place to raise a family. Excellent schools, great churches, low taxes, low crime, you can still buy a nice home w/land for $120,000, everyone is community-oriented and cares. There isn’t a lot for teens & young adults to do, but with Atlanta, Athens & Anderson an hour away, you’re not missing much. Toccoa is a beautiful little town!"
    5
    Flag
  • Michelle C. M.
    "folks always walking their dogs they are all up-to-date on shots and friendliest dogs in neighborhood"
    0
    Flag
  • Melissa B.
    "Retirement community. Not a lot to do. Close to lake. Lots of churches. Great scenery. Close to Seneca SC"
    3
    Flag
  • Juicy2250
    "Toccoa is a small town. Everyone knows everyone but it’s nice and safe. Cute little country town! Not many places to shop or eat. Most people go to Gainesville, Anderson, or Seneca for entertainment. Great place to raise children and sports are really important here (ie high school football/basketball)"
    5
    Flag
  • Trulia User
    "Great community in which to raise your children or enjoy a quiet retirement. Mature neighborhood on a dead end street. Minimal traffic, great neighbors, close to the lake and boat ramps."
    0
    Flag

Market trends in Toccoa

Last updated July 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
—
Sale-to-List Price
—
Price per sq ft
—
Available listings
136
2MoM

Home Value

Trulia Estimate
$441K
Since last month
Increased$9K (+2.2%)
Since last year
Decreased$24K (-5.2%)
Since last sale
Increased$234K (+112.9%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +95% in the last 10 years
MonthEstimated value
2026
September 2026$441K
August 2026$429K
July 2026$431K
June 2026$430K
May 2026$432K
April 2026$430K
March 2026$430K
February 2026$429K
January 2026$430K
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
1042 Lakeland Dr, Toccoa, GA
0.29
Single-Family Home
$377,000
07/07/26
4
3
2,926
37 Hawk Ct, Toccoa, GA
0.52
Single-Family Home
$153,000
10/20/25
2
1
960
120 Ridgemore Cir, Toccoa, GA
0.91
Single-Family Home
$438,600
05/15/26
2
2
1,772
257 Madison Shores Dr, Westminster, SC
0.56
Single-Family Home
$246,000
06/30/26
3
2.5
1,249
300 Rock Creek Trl, Toccoa, GA
1.11
Single-Family Home
$486,000
06/26/26
4
3.5
3,164
1132 N Edgewater Trl, Toccoa, GA
1.15
Single-Family Home
$839,000
06/26/26
2
2
1,780
29 Cottage Ln, Toccoa, GA
1.23
Single-Family Home
$549,000
07/17/26
4
4.5
4,164

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
384 Cardinal Ln, Toccoa, GA 30577
0.02
$600,600
4
3
2,400
Off Market
364 Cardinal Ln, Toccoa, GA 30577
0.04
$481,400
4
3
2,620
Off Market
356 Cardinal Ln, Toccoa, GA 30577
0.05
$380,400
3
2
1,248
Off Market
316 Cardinal Ln, Toccoa, GA 30577
0.10
$145,500
2
1
672
Off Market
290 Cardinal Ln, Toccoa, GA 30577
0.14
$400,000
3
2
1,248
Recently Sold
784 Lakeland Dr, Toccoa, GA 30577
0.18
$79,000
3
2
1,100
For Sale
117 Sparrow Way, Toccoa, GA 30577
0.14
$79,000
Studio
-
-
For Sale
121 Sparrow Way, Toccoa, GA 30577
0.15
-
-
-
-
Off Market
94 Mockingbird Ct, Toccoa, GA 30577
0.20
$12,250
-
-
-
Recently Sold
1010 Lakeland Dr, Toccoa, GA 30577
0.26
$899,000
6
3
3,926
For Sale
Blue Jay Pl, Toccoa, GA 30577
0.23
$3,900
-
-
-
Recently Sold

Price and Tax history

DateEventPrice
Jan 26, 2026
Source: GAMLS #10615530
PendingToActive
$445,000
Nov 27, 2025
Source: GAMLS #10615530
Pending
$445,000
Oct 1, 2025
Source: GAMLS #10615530
Listed For Sale
$445,000
Dec 13, 2023
Source: GAMLS #10186507
ListingRemoved
$549,900
Aug 12, 2023
Source: GAMLS #10186507
PriceChange
$549,900
Price decreased by 8%

LGBTQ Local Legal Protections

Nicole Wright, Magnolia Realty & PropertyManagement
Agent Phone: (706) 491-1403
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of GAMLS. All real estate listings are marked with the GAMLS Broker Reciprocity thumbnail logo and detailed information about them includes the name of the listing brokers. The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision.
Copyright 2026 GAMLS. All rights reserved.

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Frequently asked questions about 396 Cardinal Ln

  • What is the estimated monthly payment for 396 Cardinal Ln?
    Based on a $445,000 list price with 20% down at today's rates, the estimated monthly payment for 396 Cardinal Ln in Toccoa, GA is approximately $2,741 (about $2,358 principal & interest, $308 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • What do residents say about Toccoa?
    Residents describe Toccoa, GA as well-kept, easy to park in, and dog-friendly. Most residents say you need a car. See homes for sale in Toccoa, GA.
  • What are the closest schools to 396 Cardinal Ln?
    The closest schools to 396 Cardinal Ln in Toccoa, GA are Big A Elementary School (Pre-K), Liberty Elementary School, Stephens County Fifth Grade Academy (Elementary, rated 5/10).
  • What is 396 Cardinal Ln estimated to be worth?
    Trulia's estimated value for 396 Cardinal Ln in Toccoa, GA is $440,700.
  • Does 396 Cardinal Ln have air conditioning?
    Yes, 396 Cardinal Ln in Toccoa, GA has air conditioning.
  • Does 396 Cardinal Ln have a pool?
    Yes, 396 Cardinal Ln in Toccoa, GA has a pool.
396 Cardinal Ln, Toccoa, GA 30577 is a 3 bedroom, 2 bathroom, 2,520 sqft single-family home built in 1987. This property is currently available for sale and was listed by GAMLS on Oct 1, 2025. The MLS # for this home is MLS# 10615530.