1004 Lord Rd, Commerce, GA 30530 Property Records

Banks County property record for 1004 Lord Rd, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,946 sqft · built 2007
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on Record
Last Sale	$173,632 (Aug 2010)
Tax Bill	$3,320 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B67 043C`

Property Details

APN / Parcel Number

Primary APN	`B67 043C`
Alternative APN	`9139`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,946 sqft Heated Area
1st Floor Area	1,711 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Footing
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	45,302 sqft (1.04 acres)
Garage Area	529 sqft
Porch	Open Porch
Porch Area	30 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9139
Street Address	1004 LORD RD
City	COMMERCE
State	GA
Zip	30530-7718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	OLD WAVERLY LT 3 PB G-6
Legal Subdivision	OLD WAVERLY PLANTATION - 00116
Legal Lot Number	3
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	1
Census Block	1038
Census Tract	970400

Owner

Source: Banks County records, as of November 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1004 LORD RD, COMMERCE, GA 30530-7718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK
Aug 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT COM
Jun 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT COM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2010 · Amount on Record
Deed Sale	Aug 17, 2010 · Amount on Record
Deed Document Number	006-2010-000534
Deed Book / Page	355 / 055
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	1004 LORD RD, COMMERCE, GA 30530-7718
Transaction Type	Mortgage
Record Updated	Dec 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 LORD RD, COMMERCE, GA 30530-7718

Mortgage

Document Number	0000000515/0000000892
Date	Nov 5, 2021
Book Page	0000000515/0000000892

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2046

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	1004 LORD RD, COMMERCE, GA 30530-7718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 LORD RD, COMMERCE, GA 30530-7718

Mortgage

Document Number	0000000455/0000000427
Date	Aug 28, 2018
Book Page	0000000455/0000000427

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	1004 LORD RD, COMMERCE, GA 30530-7718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 LORD RD, COMMERCE, GA 30530-7718

Mortgage

Document Number	0000000489/0000000243
Date	Oct 1, 2020
Book Page	0000000489/0000000243

Lender

Name	LOAN DEPOT COM

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	1004 LORD RD, COMMERCE, GA 30530-7718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 LORD RD, COMMERCE, GA 30530-7718

Mortgage

Document Number	0000000466/0000000226
Date	Jun 10, 2019
Book Page	0000000466/0000000226

Lender

Name	LOAN DEPOT COM

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Banks County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Banks County
Unified School District	Banks County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,320.00 (-3.18%) Homeowner's exemption	$185,934 (+5.62%) Land $9,809 Building $176,125	$464,834 (+5.62%) Land $24,522 Building $440,312
2024	$3,429.00 (+31.88%) Homeowner's exemption	$176,039 (+19.14%) Land $8,917 Building $167,122	$440,097 (+19.14%) Land $22,293 Building $417,804
2023	$2,600.00 (-2.44%) Homeowner's exemption	$147,755 (+14.67%) Land $14,101 Building $133,654	$369,387 (+14.67%) Land $35,252 Building $334,135
2022	$2,665.00 Homeowner's exemption	$128,848 Land $14,101 Building $114,747	$322,120 Land $35,252 Building $286,868

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 17, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	50 / 3

May also be available: AT&T, T-Mobile, Verizon, Xfinity.

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