Banks County property record for 157 Chestnut Trl, Commerce, GA 30529
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,062 sqft · built 2021 |
| Lot Size | 1.17 acres (51,401 sqft) |
| Owner | Individual Name on File |
| Last Sale | $415,000 (Mar 2024) |
| Tax Bill | $2,970 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B65F070 |
| Primary APN | B65F070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,062 sqft Heated Area |
| 1st Floor Area | 1,694 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 51,401 sqft (1.17 acres) |
| Lot Width | 200 ft Width |
| Driveway | Driveway |
| Driveway Area | 923 sqft |
| Porch | Open Porch |
| Porch Area | 404 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10957 |
|---|---|
| Street Address | 157 CHESTNUT TRL |
| City | COMMERCE |
| State | GA |
| Zip | 30529-6425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | OAKS BANKS CROSSING PH 3 PB 36-206 LOT 70 |
| Legal Subdivision | THE OAKS @ BANKS CROSSING - 00212 |
| Legal Phase | 3 |
| Legal Lot Number | 70 |
| Jurisdiction | BANKS GA |
| Township / Civil Division | SOUTHEAST BANKS |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 970400 |
157 Chestnut Trl is owned and occupied by an individual who bought it in March 2024.
Source: Banks County records, as of November 13, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 157 CHESTNUT TRL, COMMERCE, GA 30529-6425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2024 | Limited Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL BROUP USA |
| Aug 31, 2021 | Limited Warranty Deed, Subdivision Related Transfer · FHA Mortgage ACOPIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2024 · Amount on File |
| Deed Sale | Mar 18, 2024 · Amount on File |
| Prior Sale | Aug 31, 2021 · Amount on File |
| Deed Document Number | 0000557753 |
| Deed Book / Page | 557 / 753 |
| Record Updated | Jun 8, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Mar 18, 2024 |
| Property Address | 157 CHESTNUT TRL, COMMERCE, GA 30529-6425 |
| Document Number | 000557/753 |
| Book / Page | 557 / 753 |
| Instrument Date | Mar 15, 2024 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 157 CHESTNUT TRL, COMMERCE, GA 30529-6425 |
| Document Number | 0000000557/0000000755 |
|---|---|
| Date | Mar 18, 2024 |
| Book Page | 0000000557/0000000755 |
| Name | HOMEOWNERS FINANCIAL BROUP USA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Aug 31, 2021 |
| Property Address | 157 CHESTNUT TRL, COMMERCE, GA 30529-6425 |
| Document Number | 000512/577 |
| Book / Page | 512 / 577 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 2021-000944 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 30, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 157 CHESTNUT TRL, COMMERCE, GA 30529-6425 |
| Document Number | 0000000512/0000000579 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 0000000512/0000000579 |
| Name | ACOPIA |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 157 Chestnut Trl was $2,970, up 7% from the year before.
Source: Banks County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Banks County |
| Unified School District | Banks County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,970.00 (+7.03%) | $155,596 (+10.46%) Land $26,000 Building $129,596 | $388,989 (+10.46%) Land $65,000 Building $323,989 |
| 2024 | $2,775.00 (+8.82%) | $140,866 (+12.43%) Land $16,000 Building $124,866 | $352,164 (+12.43%) Land $40,000 Building $312,164 |
| 2023 | $2,550.00 (+9.49%) | $125,294 (+13.02%) Land $16,000 Building $109,294 | $313,234 (+13.02%) Land $40,000 Building $273,234 |
| 2022 | $2,329.00 | $110,862 Land $20,000 Building $90,862 | $277,155 Land $50,000 Building $227,155 |
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.
FEMA maps place 157 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 risk around 157 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 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.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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