Wendy Todd

396 Cardinal Lane

Toccoa, GA
$ 445,000 Beds 3 Baths 2 Sq 2,520 Virtual Tour
Monthly Estimate* How much can I afford?

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

  • Price
  • $ 445,000
  • City
  • Toccoa
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • Stephens
  • Half Bathrooms
  • 0
  • Area
  • Lot Size
  • 0.33 Acres
  • Zip
  • 30577
  • Sqr Footage
  • 2,520
  • Year Built
  • 1987
  • Taxes
  • $ 3427
  • Style
  • Other
  • MLS#
  • 10615530
Listed By: Nicole Wright with Magnolia Realty & PropertyManagement;
Data Source: Georgia MLS (GAMLS)

Features

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 false
Property Type Residential
HOA true
Attached Garage false
Subdivision Name Shorewood Estates
Garage Y/N false
Other Structures Outbuilding
Full Baths 2
Status Active
Directions GPS
High School Stephens
City Toccoa
Body of Water Lake Hartwell
Lot Size Units Square Feet
Lot Size Square Feet 14374.8
Carport Y/N true
Elementary School Other
Land Lease Y/N false
Tax Annual Amount 3427.8
Home Warranty Y/N false
Middle/Junior High School Stephens
Property Condition Resale
Structure Type House
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Virtual Tour https://www.zillow.com/view-imx/edd8a612-7d70-47bb-b3cb-5fbde843c0fd?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

Interior Features

Interior Amenities Master On Main Level,Tile Bath
Basement Daylight,Finished
Flooring Carpet,Tile
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N false
Above Grade Finished Area 1520
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
LivingAreaSource Public Records
Above Grade Finished Area Unit Type Square Feet
Total Baths 2
Dining Room Features Dining Rm/Living Rm Combo

Exterior Features

Exterior Amenities Dock
Parking Features Carport
Lot Features Sloped
Water Source Public
Lot Size Area 14374.8
Building Area Total 2520
Lot Size Acres 0.33
Frontage Type Lakefront
Lot Size Source Public Records
Waterfront Y/N true

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Statesboro, GA office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% 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.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Other Elementary School
Middle School Stephens Middle School
High School Stephens High School

Price History

1/8/2026 Listed $445,000

Property vs Zip Code Average in 30577

Price
AVG $410K
$450K
Taxes
AVG $2,658
$3,427
Year Built
AVG 1984
1987

In The Neighborhood

Areas That We Cover

396 Cardinal Lane Toccoa, GA is a Single Family Home for sale at $445000 with 2520 sqft and a lot size of 0.33 Acres Acre(s). 396 Cardinal Lane Toccoa has 3 bedrooms, 2 baths and was built in 1987. The property's zip code is 30577 which is in Toccoa, GA

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% 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.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Wendy Todd

Wendy Todd

Office Admin/Associate Broker

912-486-4647

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