281 Pine Lake Dr, Commerce, GA 30530 Property Records

Banks County property record for 281 Pine Lake Dr, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Lot Size	8 acres (348,480 sqft)
Owner	Individual Name on Record
Last Sale	$57,500 (Sep 2017)
Tax Bill	$863 (2025)
Deeds & Mortgages	Aug 2018 Sale Aug 2018 Sale + 3 more
Flood Zone	Zone A (high risk)
APN	`B68F006`

Property Details

APN / Parcel Number

Primary APN	`B68F006`
Alternative APN	`8018`

Exterior

Construction Type	Frame
Lot Area	348,480 sqft (8 acres)

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Lean-To	176 sqft
Storage Building	690 sqft

Location & Zoning

Account Number	8018
Street Address	281 PINE LAKE DR
City	COMMERCE
State	GA
Zip	30530-3965
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	PB 27-159
Legal Subdivision	PINE LAKE - 00115
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	1
Census Block	1032
Census Tract	970400

Owner

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	PO BOX 28, COMMERCE, GA 30529-0001
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2018	Warranty Deed, Transfer
Aug 31, 2018	Warranty Deed, Transfer
Aug 31, 2018	Warranty Deed, Transfer
Sep 25, 2017	Limited Warranty Deed, Transfer · Conventional Mortgage SOUTHEAST FCU
Sep 21, 2017	Quit Claim Deed, Transfer SOUTHEAST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2017 · Amount on Record
Deed Sale	Sep 25, 2017 · Amount on Record
Prior Sale	Sep 21, 2017
Deed Document Number	0000044348
Deed Book / Page	443 / 48
Record Updated	Jun 8, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Aug 31, 2018
Property Address	281 PINE LAKE DR, COMMERCE, GA 30530-3965
Document Number	455/856
Book / Page	455 / 856
Instrument Date	Aug 31, 2018
Instrument	2018-000620
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 33, COMMERCE, GA 30529-0001

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Aug 31, 2018
Property Address	281 PINE LAKE DR, COMMERCE, GA 30530-3965
Document Number	455/856
Book / Page	455 / 856
Instrument Date	Aug 31, 2018
Instrument	2018-000620
Transaction Type	Transfer
Record Updated	Feb 7, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 33, COMMERCE, GA 30529-0001

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Aug 31, 2018
Property Address	281 PINE LAKE DR, COMMERCE, GA 30530-3965
Document Number	000455/856
Book / Page	455 / 856
Instrument Date	Aug 31, 2018
Instrument	2018-000620
Transaction Type	Transfer
Record Updated	Jan 31, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 33, COMMERCE, GA 30529-0001

September 2017: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Sep 25, 2017
Property Address	281 PINE LAKE DR, COMMERCE, GA 30530-3965
Document Number	0000443/48
Book / Page	443 / 48
Instrument Date	Sep 25, 2017
Instrument	2017-000708
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5010 THE ORCHARD RD, CLARKESVILLE, GA 30523-2424

Mortgage

Document Number	443/50
Date	Sep 28, 2017
Book Page	443/50

Lender

Name	SOUTHEAST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2032

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BANKS GA
Recording Date	Sep 21, 2017
Property Address	281 PINE LAKE DR, COMMERCE, GA 30530-3965
Document Number	0000443/42
Book / Page	443 / 42
Instrument Date	Sep 21, 2017
Instrument	2017-000702
Transaction Type	Transfer
Record Updated	Oct 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4711 BILL CHEEK RD, AUBURN, GA 30011-2103

Mortgage

Document Number	0000443/50
Date	Sep 28, 2017
Book Page	443/50

Lender

Name	SOUTHEAST FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2032

Tax Assessment & Valuation

Source: Banks County assessment roll, as of July 1, 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	$863.00 (+5.37%)	$45,220 (+8.69%) Land $41,624 Building $3,596	$113,049 (+8.69%) Land $104,060 Building $8,989
2024	$819.00 (-1.09%)	$41,604 (+2.21%) Land $37,840 Building $3,764	$104,009 (+2.21%) Land $94,600 Building $9,409
2023	$828.00 (+4.28%)	$40,704 (+7.67%) Land $36,800 Building $3,904	$101,761 (+7.68%) Land $92,000 Building $9,761
2022	$794.00	$37,803 Land $33,766 Building $4,037	$94,507 Land $84,414 Building $10,093

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 17, 2010

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

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	0.07% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pine Lake Dr

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