158 White Oak Trl, Commerce, GA 30529 Property Records

Banks County property record for 158 White Oak Trl, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,711 sqft · built 2022
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on File
Last Sale	$288,400 (Jun 2022)
Tax Bill	$2,420 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B65F053`

Property Details

APN / Parcel Number

Primary APN	`B65F053`
Alternative APN	`11238`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,711 sqft Heated Area
1st Floor Area	1,471 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Driveway	Driveway
Driveway Area	864 sqft
Porch	Open Porch
Porch Area	277 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	11238
Street Address	158 WHITE OAK TRL
City	COMMERCE
State	GA
Zip	30529-6424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 53 PH4 PB 37-83
Legal Phase	4
Legal Lot Number	53
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	2
Census Block	2031
Census Tract	970400

Owner

Source: Banks County records · APN B65F053

Assessment roll updated July 1, 2025 · Last verified November 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 File
Mailing Address	158 WHITE OAK TRL, COMMERCE, GA 30529-6424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Limited Warranty Deed, Subdivision Related Transfer · FHA Mortgage MAGNOLIA BANK
Jun 24, 2022	Limited Warranty Deed, Subdivision Related Transfer · FHA Mortgage MAGNOLIA BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 24, 2022 · Amount on Record
Deed Sale	Jun 24, 2022 · Amount on Record
Deed Document Number	0000530444
Deed Book / Page	530 / 444
Record Updated	Jun 08, 2026

June 2022: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Jun 24, 2022
Property Address	158 WHITE OAK TRL, COMMERCE, GA 30529-6424
Document Number	000530/444
Book / Page	530 / 444
Instrument Date	Jun 24, 2022
Instrument	2022-000590
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 02, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	158 WHITE OAK TRL, COMMERCE, GA 30529-6424

Mortgage

Document Number	0000000530/0000000445
Date	Jun 28, 2022
Book Page	0000000530/0000000445

Lender

Name	MAGNOLIA BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

June 2022: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Jun 24, 2022
Property Address	158 WHITE OAK TRL, COMMERCE, GA 30529-6424
Document Number	000530/444
Book / Page	530 / 444
Instrument Date	Jun 24, 2022
Instrument	2022-000590
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 02, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	158 WHITE OAK TRL, COMMERCE, GA 30529-6424

Mortgage

Document Number	0000530445
Date	Jun 24, 2022
Instrument	530/445

Lender

Name	MAGNOLIA BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Banks County records · Assessment roll updated July 1, 2025 · Last verified November 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,420.00 (-3.12%) Homeowner's exemption	$144,543 (+12.2%) Land $26,000 Building $118,543	$361,358 (+12.2%) Land $65,000 Building $296,358
2024	$2,498.00 (+22.75%) Homeowner's exemption	$128,826 (+7.35%) Land $16,000 Building $112,826	$322,066 (+7.35%) Land $40,000 Building $282,066
2023	$2,035.00 (+470.03%) Homeowner's exemption	$120,008 (+605.93%) Land $16,000 Building $104,008	$300,021 (+605.93%) Land $40,000 Building $260,021
2022	$357.00	$17,000 Land $17,000	$42,500 Land $42,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 17, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 42% of the US · lower than 65% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 40 locations within half a mile of this property.

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