1548 Duncan Rd, Commerce, GA 30530 Property Records

Banks County property record for 1548 Duncan Rd, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,496 sqft · built 1987
Lot Size	54.4 acres (2,370,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$446,500 (Nov 2021)
Tax Bill	$2,257 (2025)
Deeds & Mortgages	Nov 2021 Sale Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B85 013`

Property Details

APN / Parcel Number

Primary APN	`B85 013`
Alternative APN	`4098`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,496 sqft Heated Area
1st Floor Area	1,496 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2004
Architectural Style	Rustic
Exterior Material	Wood Shingle
Construction Type	Log
Roof Type	Gable
Roof Material	Metal
Lot Area	2,370,971 sqft (54.4 acres)
Garage Area	528 sqft
Porch	Patio
Porch Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	4098
Street Address	1548 DUNCAN RD
City	COMMERCE
State	GA
Zip	30530-7015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	PB17-145
Legal Subdivision	00100-LOWER END 6500
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	1
Census Block	1008
Census Tract	970400

Owner

Source: Banks County records, as of November 14, 2025

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	1548 DUNCAN RD, COMMERCE, GA 30530-7015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Warranty Deed, Transfer
Nov 22, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL
Aug 25, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Deed Document Number	20211207
Deed Book / Page	517 / 110
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Nov 22, 2021
Property Address	1548 DUNCAN RD, COMMERCE, GA 30530-7015
Document Number	517/123
Book / Page	517 / 123
Instrument Date	Nov 22, 2021
Instrument	2021-001208
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1548 DUNCAN RD, COMMERCE, GA 30530-7015
Investor	Possibly a Property Investor

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Nov 22, 2021
Property Address	1548 DUNCAN RD, COMMERCE, GA 30530-7015
Document Number	517/110
Book / Page	517 / 110
Instrument Date	Nov 22, 2021
Instrument	2021-001207
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1548 DUNCAN RD, COMMERCE, GA 30530-7015
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000517/0000000112
Date	Nov 24, 2021
Book Page	0000000517/0000000112

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Aug 25, 2021
Property Address	1548 DUNCAN RD, COMMERCE, GA 30530-7015
Document Number	510/939
Book / Page	510 / 939
Instrument Date	Aug 25, 2021
Instrument	2021-000851
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1548 DUNCAN RD, COMMERCE, GA 30530-7015

Tax Assessment & Valuation

Source: Banks County assessment roll, as of November 14, 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	$2,257.00 (-0.88%) Homeowner's exemption	$245,512 (+4.94%) Land $145,756 Building $99,756	$613,781 (+4.94%) Land $364,390 Building $249,391
2024	$2,277.00 (+58.23%) Homeowner's exemption	$233,958 (+29.28%) Land $138,960 Building $94,998	$584,896 (+29.28%) Land $347,400 Building $237,496
2023	$1,439.00 (-12.2%) Homeowner's exemption	$180,976 (+5.71%) Land $111,348 Building $69,628	$452,440 (+5.71%) Land $278,371 Building $174,069
2022	$1,639.00 Homeowner's exemption	$171,206 Land $111,820 Building $59,386	$428,014 Land $279,549 Building $148,465

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

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

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