220 Riverbend Rd, Commerce, GA 30530 Property Records

Franklin County property record for 220 Riverbend Rd, Commerce, GA 30530

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 2,486 sqft · built 1998
Lot Size	9.95 acres (433,422 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Nov 2021)
Tax Bill	$3,436 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`014-022`

Property Details

APN / Parcel Number

Primary APN	`014-022`
Alternative APN	`2912`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,486 sqft Heated Area
Gross Area	1,606 sqft
1st Floor Area	1,606 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	433,422 sqft (9.95 acres)
Terrain	Rolling
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	528 sqft
Deck Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	2912
Street Address	220 RIVERBEND RD
City	COMMERCE
State	GA
Zip	30530-7535
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	UNZONED RU
Legal Description	9.95
Legal Subdivision	HUDSON RIVER ESTATES
Jurisdiction	FRANKLIN GA
Township / Civil Division	SANDY CROSS
Census Block Group	3
Census Block	3054
Census Tract	890300

Owner

Source: Franklin County records, as of December 12, 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	220 RIVERBEND RD, COMMERCE, GA 30530-7535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2021 · Amount on Record
Deed Sale	Nov 30, 2021 · Amount on Record
Prior Sale	Oct 9, 2009 · Amount on Record
Deed Document Number	20211721
Deed Book / Page	1489 / 311
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN GA
Recording Date	Nov 30, 2021
Property Address	220 RIVERBEND RD, COMMERCE, GA 30530-7535
Document Number	001489/311
Book / Page	1489 / 311
Instrument Date	Nov 30, 2021
Instrument	2021-001721
Transaction Type	Transfer
Record Updated	Dec 20, 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	220 RIVERBEND RD, COMMERCE, GA 30530-7535

Mortgage

Document Number	0000001489/0000000312
Date	Dec 3, 2021
Book Page	0000001489/0000000312

Lender

Name	BANKSOUTH MORTGAGE

Agreement

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

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of December 12, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,436.00 (+9.67%)	$148,710 (+22.43%) Land $40,680 Building $108,030	$371,775 (+22.43%) Land $101,700 Building $270,075
2023	$3,133.00 (+6.82%)	$121,465 (+6.82%) Land $30,510 Building $90,955	$303,663 (+6.82%) Land $76,275 Building $227,388
2022	$2,933.00	$113,710 Land $30,510 Building $83,200	$284,274 Land $76,275 Building $207,999

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 September 26, 2008

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

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Windstream DSL	300 / 20

Cell Coverage

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

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