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128 Chestnut Trl, Commerce, GA 30529 Property Records

Banks County property record for 128 Chestnut Trl, Commerce, GA 30529

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,739 sqft · built 2021
Lot Size1.04 acres (45,302 sqft)
OwnerIndividual Name on File
Last Sale$297,900 (Sep 2021)
Tax Bill$2,487 (2025)
Deeds & MortgagesNov 2021 Mortgage
Sep 2021 Sale
Flood ZoneZone X (minimal risk)
APNB65F074

Property Details

APN / Parcel Number

Primary APNB65F074
Alternative APN
  • 10961

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,739 sqft Heated Area
1st Floor Area1,739 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2021
Exterior MaterialFiber Cement Siding
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area45,302 sqft (1.04 acres)
Lot Width200 ft Width
DrivewayDriveway
Driveway Area880 sqft
PorchOpen Porch
Porch Area320 sqft
Patio Area50 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHeat Pump

Location & Zoning

Account Number10961
Street Address128 CHESTNUT TRL
CityCOMMERCE
StateGA
Zip30529-6425
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionOAKS BANKS CROSSING PH 3 PB 36-206 LOT 74
Legal SubdivisionTHE OAKS @ BANKS CROSSING - 00212
Legal Phase3
Legal Lot Number74
JurisdictionBANKS GA
Township / Civil DivisionSOUTHEAST BANKS
Census Block Group2
Census Block2031
Census Tract970400

Owner

128 Chestnut Trl is owned and occupied by an individual who bought it in September 2021.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address128 CHESTNUT TRL, COMMERCE, GA 30529-6425
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 23, 2021Deed of Trust, Mortgage · FHA Mortgage
ACOPIA
Sep 15, 2021Limited Warranty Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 15, 2021 · Amount on File
Deed SaleSep 15, 2021 · Amount on File
Deed Document Number0000051790
Deed Book / Page517 / 90
Record UpdatedJun 8, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBANKS GA
Property Address128 CHESTNUT TRL, COMMERCE, GA 30529-6425
Transaction TypeMortgage
Record UpdatedFeb 22, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000517/0000000092
DateNov 23, 2021
Book Page0000000517/0000000092
Lender
NameACOPIA
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2051

September 2021: Limited Warranty Deed, Subdivision Related Transfer

Document TypeLimited Warranty Deed
JurisdictionBANKS GA
Recording DateSep 15, 2021
Property Address128 CHESTNUT TRL, COMMERCE, GA 30529-6425
Document Number0000517/90
Book / Page517 / 90
Instrument DateSep 15, 2021
Instrument2021-001201
Transaction TypeSubdivision Related Transfer
Record UpdatedMar 30, 2023

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address128 CHESTNUT TRL, COMMERCE, GA 30529-6425

Tax Assessment & Valuation

The 2025 property tax bill for 128 Chestnut Trl was $2,487 with a homeowner's exemption, down 3.2% from the year before.

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

Property Jurisdictions

TypeName
StateGeorgia
CountyBanks County
Unified School DistrictBanks County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,487.00 (-3.15%) Homeowner's exemption$147,056 (+11.1%) Land $26,000 Building $121,056$367,641 (+11.1%) Land $65,000 Building $302,641
2024$2,568.00 (+23.52%) Homeowner's exemption$132,368 (+8.34%) Land $16,000 Building $116,368$330,920 (+8.34%) Land $40,000 Building $290,920
2023$2,079.00 (-9.13%) Homeowner's exemption$122,179 (+10.17%) Land $16,000 Building $106,179$305,448 (+10.17%) Land $40,000 Building $265,448
2022$2,288.00 Homeowner's exemption$110,904 Land $20,000 Building $90,904$277,261 Land $50,000 Building $227,261

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 128 Chestnut Trl in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

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

Wildfire risk around 128 Chestnut Trl is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire RiskModerate
above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 40 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Windstream
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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