Banks County property record for 203 Cotton Rd, Commerce, GA 30529
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,056 sqft · built 2001 |
| Lot Size | 11.4 acres (499,633 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,432 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | B53F017 |
| Primary APN | B53F017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,056 sqft Heated Area |
| 1st Floor Area | 2,056 sqft |
| Basement Area | 1,792 sqft |
| Finished Basement | 1,792 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 499,633 sqft (11.4 acres) |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Patio |
| Porch Area | 900 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 2775 |
|---|---|
| Street Address | 203 COTTON RD |
| City | COMMERCE |
| State | GA |
| Zip | 30529-6309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARR |
| Legal Description | GMD 208 H/L |
| Legal Subdivision | R L SANDERS SR ESTATE |
| Jurisdiction | BANKS GA |
| Township / Civil Division | SOUTHEAST BANKS |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 970400 |
203 Cotton Rd is owned and occupied by two individuals who acquired it in March 2008.
Source: Banks County records, as of November 14, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 203 COTTON RD, COMMERCE, GA 30529-6309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 17, 2008 |
| Transfer Doc | 0000323/42 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 203 Cotton Rd was $3,432 with exemptions applied.
Source: Banks County assessment roll, as of November 14, 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 | $3,432.00 Homeowner's exemption Senior Citizen's exemption | $200,410 Land $59,678 Building $140,732 | $501,025 Land $149,196 Building $351,829 |
| 2023 | $2,802.00 (-0.81%) Homeowner's exemption Senior Citizen's exemption | $153,380 Land $45,880 Building $107,500 | $383,450 Land $114,700 Building $268,750 |
| 2022 | $2,825.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 203 Cotton Rd 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 203 Cotton Rd is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 84% of Georgia |
|---|---|
| Wildfire Likelihood | 0.07% 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL · Cable in parts of the area | 50 / 3 |
| Verizon Fixed Wireless | 25 / 6 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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