126 Ginger Trl, Homer, GA 30547 Property Records

Banks County property record for 126 Ginger Trl, Homer, GA 30547

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$476,469 (Mar 2026)
Tax Bill	$259 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`B50C059`

Property Details

APN / Parcel Number

Primary APN	`B50C059`
Alternative APN	`10878`

Exterior

Lot Area	16,553 sqft (0.38 acres)

Location & Zoning

Account Number	10878
Street Address	126 GINGER TRL
City	HOMER
State	GA
Zip	30547-2141
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	ARR
Legal Description	RECONFIG PH3B UNIT2 LT 59C PB37-205/ 36-154
Legal Subdivision	THE RESERVE - 00305
Legal Phase	3B
Legal Lot Number	59C
Legal Unit	IT2
Jurisdiction	BANKS GA
Township / Civil Division	HOMER
Census Block Group	1
Census Block	1027
Census Tract	970200

Owner

Source: Banks County records, as of April 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	126 GINGER TRL, HOMER, GA 30547-2141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE
Jan 8, 2024	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2026 · Amount on Record
Deed Sale	Mar 5, 2026 · Amount on Record
Prior Sale	Jan 8, 2024
Deed Book / Page	595 / 653
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Mar 5, 2026
Property Address	126 GINGER TRL, HOMER, GA 30547-2141
Document Number	000595/653
Book / Page	595 / 653
Instrument Date	Feb 17, 2026
Transaction Type	Transfer
Record Updated	Mar 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4.77
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 GINGER TRL, HOMER, GA 30547-2141

Mortgage

Document Number	0000595655
Date	Mar 5, 2026
Instrument	595/655

Lender

Name	GUILD MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2056

January 2024: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Jan 8, 2024
Property Address	126 GINGER TRL, HOMER, GA 30547-2141
Document Number	000555/131
Book / Page	555 / 131
Instrument Date	Dec 27, 2023
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	GINGER TRL, GA
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Banks County assessment roll, as of November 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$259.00 (-3%)	$13,600 (-) Land $13,600	$34,000 (-) Land $34,000
2024	$267.00 (-3.26%)	$13,600 (-) Land $13,600	$34,000 (-) Land $34,000
2023	$276.00 (+104.44%)	$13,600 (+111.18%) Land $13,600	$34,000 (+111.18%) Land $34,000
2022	$135.00	$6,440 Land $6,440	$16,100 Land $16,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 17, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Oct 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 42% of the US · lower than 65% of Georgia
Wildfire Likelihood	0.08% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ginger Trl

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