Banks County property record for 186 Oakwood Dr, Commerce, GA 30529
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,070 sqft · built 2020 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $405,000 (Jun 2024) |
| Tax Bill | $2,798 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Dec 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | B65F007 |
| Primary APN | B65F007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,070 sqft Heated Area |
| 1st Floor Area | 1,794 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Width | 339 ft Width |
| Driveway | Driveway |
| Driveway Area | 392 sqft |
| Porch | Open Porch |
| Storage Building | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10767 |
|---|---|
| Street Address | 186 OAKWOOD DR |
| City | COMMERCE |
| State | GA |
| Zip | 30529-6443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | OAKS PH 2 LT-7 PB36-123 |
| Legal Subdivision | THE OAKS @ BANKS CROSSING - 00212 |
| Legal Phase | 2 |
| Jurisdiction | BANKS GA |
| Township / Civil Division | SOUTHEAST BANKS |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 970400 |
Source: Banks County records, as of November 13, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 186 OAKWOOD DR, COMMERCE, GA 30529-6443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE |
| Dec 30, 2020 | Warranty Deed, Subdivision Related Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2024 · Amount on Record |
| Deed Sale | Jun 17, 2024 · Amount on Record |
| Deed Document Number | 0000562111 |
| Deed Book / Page | 562 / 111 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 186 OAKWOOD DR, COMMERCE, GA 30529-6443 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 186 OAKWOOD DR, COMMERCE, GA 30529-6443 |
| Document Number | 0000000522/0000000202 |
|---|---|
| Date | Jan 28, 2022 |
| Book Page | 0000000522/0000000202 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Dec 30, 2020 |
| Property Address | 186 OAKWOOD DR, COMMERCE, GA 30529-6443 |
| Document Number | 000495/466 |
| Book / Page | 495 / 466 |
| Instrument Date | Dec 30, 2020 |
| Instrument | 2021-000007 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 18, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 OAKWOOD DR, COMMERCE, GA 30529-6443 |
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 | $2,798.00 (-4.51%) Homeowner's exemption | $165,462 (+11.25%) Land $26,000 Building $139,462 | $413,655 (+11.25%) Land $65,000 Building $348,655 |
| 2024 | $2,930.00 (+6.04%) | $148,729 (+9.54%) Land $16,000 Building $132,729 | $371,823 (+9.53%) Land $40,000 Building $331,823 |
| 2023 | $2,763.00 (+11.91%) | $135,782 (+15.52%) Land $16,000 Building $119,782 | $339,456 (+15.52%) Land $40,000 Building $299,456 |
| 2022 | $2,469.00 | $117,540 Land $20,000 Building $97,540 | $293,849 Land $50,000 Building $243,849 |
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.
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.
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 | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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