261 McEver Rd, Commerce, GA 30530 Property Records

Banks County property record for 261 McEver Rd, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,528 sqft · built 1989
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$327,000 (Dec 2024)
Tax Bill	$2,133 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Feb 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B82 009`

Property Details

APN / Parcel Number

Primary APN	`B82 009`
Alternative APN	`2236`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,528 sqft Heated Area
1st Floor Area	1,528 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2012
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,056 sqft (0.69 acres)
Garage Area	462 sqft

Exterior Amenities

Porch	Slab
Porch Area	252 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Storage Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	2236
Street Address	261 MCEVER RD
City	COMMERCE
State	GA
Zip	30530-7145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	TRACT1 PB14-104 14-188
Legal Subdivision	00100-LOWER END 6500
Legal Tract	1
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	1
Census Block	1046
Census Tract	970400

Owner

Source: Banks County records, as of November 14, 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	261 MCEVER RD, COMMERCE, GA 30530-7145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2024	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE
Feb 6, 2017	Warranty Deed, Transfer PEOPLES BANK & TRUST
Jan 13, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2024 · Amount on Record
Deed Sale	Dec 26, 2024 · Amount on Record
Prior Sale	Feb 6, 2017 · Amount on Record
Deed Book / Page	571 / 797
Prior Transfer Date	Dec 17, 2024
Prior Transfer Doc	000571/816
Record Updated	Sep 20, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Dec 26, 2024
Property Address	261 MCEVER RD, COMMERCE, GA 30530-7145
Document Number	000571/797
Book / Page	571 / 797
Instrument Date	Dec 17, 2024
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3.27
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 MCEVER RD, COMMERCE, GA 30530-7145

Mortgage

Document Number	0000571799
Date	Dec 26, 2024
Instrument	571/799

Lender

Name	AMERICAN PACIFIC MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Feb 6, 2017
Property Address	261 MCEVER RD, COMMERCE, GA 30530-7145
Document Number	000434/819
Book / Page	434 / 819
Instrument Date	Feb 6, 2017
Instrument	2017-000098
Transaction Type	Transfer
Record Updated	Jan 31, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 MCEVER RD, COMMERCE, GA 30530-7145

Mortgage

Document Number	000434/821
Date	Feb 7, 2017
Book Page	434/821

Lender

Name	PEOPLES BANK & TRUST
Type	Bank

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 1, 2022

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Jan 13, 2017
Property Address	261 MCEVER RD, COMMERCE, GA 30530-7145
Document Number	000434/817
Book / Page	434 / 817
Instrument Date	Jan 13, 2017
Instrument	2017-000099
Transaction Type	Transfer
Record Updated	Jan 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 MCEVER RD, COMMERCE, GA 30530-7145

Tax Assessment & Valuation

Source: Banks County assessment roll, as of November 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,133.00 (+43.64%)	$111,744 (+17.16%) Land $7,412 Building $104,332	$279,362 (+17.16%) Land $18,531 Building $260,831
2024	$1,485.00 (+96.95%) Homeowner's exemption Senior Citizen's exemption	$95,380 (+27.09%) Land $6,738 Building $88,642	$238,452 (+27.09%) Land $16,846 Building $221,606
2023	$754.00 (-22.67%) Homeowner's exemption Senior Citizen's exemption	$75,050 (+12.95%) Land $7,226 Building $67,824	$187,626 (+12.95%) Land $18,065 Building $169,561
2022	$975.00 Homeowner's exemption Senior Citizen's exemption	$66,444 Land $7,226 Building $59,218	$166,110 Land $18,065 Building $148,045

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 December 17, 2010

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	Low lower than 62% of the US · lower than 80% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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