Recently Viewed Properties
See This Home
Save This Listing
Close

View All Photos

$445,000

  • For Sale
  • Under Contract
  • Single Family
  • 3 Beds
  • 2 Full Baths
See This Home
Save This Home
See This Home
Save This Home
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.

Full Property Details for 396 Cardinal Ln

General

  • Price: $445,000
  • HOA FEE: $200
  • Taxes: $3,427 (24)
  • Status: Under Contract
  • Type: Single Family
  • Source: GAMLS_Atlanta
  • MLS ID: 10615530
  • Updated: 11/26/2025
  • Added to Site: 112 day(s) ago

Interior

  • Rooms/Areas: Laundry, Sun Room
  • Interior Features: Master On Main Level, Tile Bath
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Oven/Range (Combo), Refrigerator, Stainless Steel Appliance(s)

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Main - Full Baths: 1
  • Lower - Full Baths: 1

Bedrooms

  • Total Bedrooms: 3
  • Bedrooms Lower: 2
  • Bedrooms Main: 1
  • Bedrooms-Dn1: 2

Other Rooms

  • Laundry: In Basement

Additional Information

  • Shared Pool: Yes
  • Tennis: Yes

Exterior

  • Exterior Features: Dock

Parking

  • Parking Features: Carport

Location

  • County: Stephens
  • Driving Directions: GPS

School Information

  • Elementary School: Other
  • Middle School: Stephens County
  • High School: Stephens County

Community

  • Assoc. Fees Include: Insurance, Maintenance Grounds, Swimming, Tennis

Heating & Cooling

  • Cooling Type: Central Air, Electric
  • Heating Type: Central, Electric

Utilities

  • Water/Sewer: Septic Tank

Structural Information

  • Architectural Style: Other
  • Construction Status: Resale
  • Basement Desc.: Daylight, Finished
  • Roof: Other
  • Stories/Levels: Two
  • Living Area: 2,520 Sq. Ft.
  • Finished Total: 2,520 Sq. Ft.
  • Finished Above Grnd: 1,520 Sq. Ft.
  • Finished Below Grnd: 1,000 Sq. Ft.
  • Year Built: 1987

Lot Features

  • Property View: Lake
  • Lot Size (Acres): 0.33
  • Lot Size Range: .33
  • Lot Size Source: Public Records
  • Lot Description: Sloped

Water Features

  • Water Front: Yes
  • Water Front Name: Lake Hartwell
  • Lake Front: Yes

Financial Considerations

  • Association Fee: Yes
  • Association Fee: $200
  • Tax Amount: $3,427.8
  • Tax Year: 24

Listing Courtesy of: Hammock Realty North Georgia

Quickly Find Out More

* Indicates a required field

Yes, I would like more information. Please use and/or share my information with a Coldwell Banker ® affiliated agent to contact me about my real estate needs. By clicking Send Message, I request to be contacted by phone or text message and consent to being contacted by automated means. I understand that my consent to receive calls or texts is not a condition of purchasing any property, goods, or services. Alternatively, I understand that I can access real estate services by email or I can contact the agent myself.

If an Coldwell Banker affiliated agent is not available in the area where I need assistance, I agree to be contacted by a real estate agent affiliated with another brand owned or licensed by Anywhere Real Estate (BHGRE®, CENTURY 21®, Corcoran®, ERA®, or Sotheby’s International Realty®). I acknowledge that I have read and agree to the Terms of Use and Privacy Notice.

We Value Your Privacy

Listing agent

— 396 Cardinal Ln —

  • Hammock Realty North Georgia

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 396 Cardinal Ln

School District:Stephens County School District
NameGradesDistance
Stephens County High School
323 Indian Trl, Toccoa, GA 30577
9-126.9 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 396 Cardinal Ln Get Price Alerts and Save Property

Date
Details
Price
Change
Source
9/26/2025
Listed
$445,000
114.98%
MLS
5/22/2019
Sold
$207,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 396 Cardinal Ln

Year
Property Taxes
Change
Tax Assessment
Change
2024
$3,692
21%
$121,252
18%
2023
$3,046
14%
$102,332
14%
2022
$2,669
—
$89,655
5%
2021
$2,678
—
$85,638
—
2021
$2,678
-5%
$85,454
-4%
2019
$2,817
19%
$88,848
19%
2018
$2,366
1%
$74,607
—
2017
$2,339
2%
$74,607
—
2016
$2,302
-5%
$74,607
—
2015
$2,415
4%
$74,715
6%
2014
$2,316
9%
$70,598
—
2013
$2,116
—
$70,840
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 396 Cardinal Ln

$
Down Payment
%
$
%

$
$

*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listing Courtesy of: Hammock Realty North Georgia

Similar Properties near 396 Cardinal Ln

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

221 Grindstone Creek Dr, Clarkesville, GA 30523 - Photo 1
$454,900
Open House

221 Grindstone Creek Dr  Clarkesville, GA 30523

  • Single Family
  • Active
  • Updated 5 days ago
  • 3
    Beds
  • 3
    Total Baths
643 Washington St, Clarkesville, GA 30523 - Photo 1
$449,000

643 Washington St  Clarkesville, GA 30523

  • Single Family
  • Active
  • 3
    Beds
  • 3
    Total Baths
172 Llewellyn St, Clarkesville, GA 30523 - Photo 1
$449,000

172 Llewellyn St  Clarkesville, GA 30523

  • Single Family
  • Active
  • Updated 3 days ago
  • 4
    Beds
  • 3
    Total Baths
109 Coneflower Ln, Toccoa, GA 30577 - Photo 1
$449,000

109 Coneflower Ln  Toccoa, GA 30577

  • Single Family
  • Active
  • 3
    Beds
  • 4
    Total Baths

Just Listed near 396 Cardinal Ln

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

0 Hwy 106 Tract B, Eastanollee, GA 30538 - Photo 1 Just Listed
$170,000

0 Hwy 106 Tract B  Eastanollee, GA 30538

  • Lots/Land
  • Active
  • Updated 1 day ago
  • 10.01
    Acres
838 Racetrack Rd, Eastanollee, GA 30538 - Photo 1 Just Listed
$225,000

838 Racetrack Rd  Eastanollee, GA 30538

  • Single Family
  • Active
  • Updated 20 hours ago
  • 3
    Beds
  • 2
    Total Baths
0 Hwy 106 Tract C, Eastanollee, GA 30538 - Photo 1 Just Listed
$170,000

0 Hwy 106 Tract C  Eastanollee, GA 30538

  • Lots/Land
  • Active
  • Updated 1 day ago
  • 10.02
    Acres
0 Hwy 106 Tract A, Eastanollee, GA 30538 - Photo 1 Price Reduced
-$30,000 (-17.65%)
$140,000

0 Hwy 106 Tract A  Eastanollee, GA 30538

  • Lots/Land
  • Active
  • Updated 43 minutes ago
  • 10
    Acres

Price Reduced near 396 Cardinal Ln

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

0 Hwy 106 Tract A, Eastanollee, GA 30538 - Photo 1 Price Reduced
-$30,000 (-17.65%)
$140,000

0 Hwy 106 Tract A  Eastanollee, GA 30538

  • Lots/Land
  • Active
  • Updated 43 minutes ago
  • 10
    Acres
788 Lakeshore Rd, Martin, GA 30557 - Photo 1 Price Reduced
-$9,901 (-2.83%)
$339,999

788 Lakeshore Rd  Martin, GA 30557

  • Single Family
  • Active
  • Updated 1 day ago
  • 2
    Beds
  • 2
    Total Baths
18 Webb Rd, Martin, GA 30557 - Photo 1 Price Reduced
-$9,100 (-3.65%)
$239,900

18 Webb Rd  Martin, GA 30557

  • Mobile Home
  • Active
  • Updated 43 minutes ago
  • 4
    Beds
  • 2
    Total Baths
Lots 1 &amp 2 Twin Knolls Trail, Martin, GA 30557 - Photo 1 Price Reduced
-$14,900 (-7.85%)
$175,000

Lots 1 & 2 Twin Knolls Trail  Martin, GA 30557

  • Land Residential
  • Active
  • Updated 4 days ago
  • 7.84
    Acres

FMLS - Atlanta logo

Listings identified with the FMLS IDX logo come from FMLS, are held by brokerage firms other than the owner of this website and the listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work, please click here to review our DMCA policy and learn how to submit a takedown request. © 2026 First Multiple Listing Service, Inc. Last Updated Jan 14 2026 4:12PM

396 Cardinal Lane, Toccoa, GA 30577 (MLS# 10615530) is a Single Family property with 3 bedrooms and 2 full bathrooms. 396 Cardinal Lane is currently listed for $445,000 and was received on September 26, 2025. Want to learn more about 396 Cardinal Lane? Do you have questions about finding other Single Family real estate for sale in Toccoa? You can browse all Toccoa real estate or contact a Coldwell Banker agent to request more information.

Tour this property