Banks County property record for 286 Barnes Cir, Commerce, GA 30530 · Last verified February 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2016 |
| Square Footage | 1,624 sqft Heated Area |
| Lot Size | 50,094 sqft (1.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $337,000 (2025) |
| Tax Bill | $2,299.00 (2025) |
Source: Banks County records · APN B66F016
Assessment roll updated July 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 286 BARNES CIR, COMMERCE, GA 30530-6917 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 07, 2006 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM BANK OF GEORGIA |
| Jan 04, 2012 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| May 28, 2009 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Sep 11, 2025 | Limited Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage NEXA MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 11, 2025 · Amount on Record |
| Deed Sale | Sep 11, 2025 · Amount on Record |
| Prior Sale | Oct 21, 2024 · Amount on Record |
| Deed Doc Number | 0000585102 |
| Deed Book / Page | 585 / 102 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 286 BARNES CIR, COMMERCE, GA 30530-6917 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000275/349 |
|---|---|
| Date | Feb 07, 2006 |
| Book Page | 275/349 |
| Name | FREEDOM BANK OF GEORGIA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 01, 2011 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 286 BARNES CIR, COMMERCE, GA 30530-6917 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000370/19 |
|---|---|
| Date | Jan 04, 2012 |
| Book Page | 370/19 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 35 Months |
| Due | Dec 21, 2014 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 286 BARNES CIR, COMMERCE, GA 30530-6917 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000340/466 |
|---|---|
| Date | May 28, 2009 |
| Book Page | 340/466 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Address | COMMERCE, GA 30529 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 25, 2014 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Sep 11, 2025 |
| Property Address | 286 BARNES CIR, COMMERCE, GA 30530-6917 |
| Document Number | 000585/102 |
| Book / Page | 585 / 102 |
| Instrument Date | Sep 09, 2025 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3.37 |
| Amount Accuracy | From Affidavit or Verified |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 286 BARNES CIR, COMMERCE, GA 30530-6917 |
| Document Number | 0000585105 |
|---|---|
| Date | Sep 11, 2025 |
| Instrument | 585/105 |
| Name | NEXA MORTGAGE |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jan 01, 2055 |
Source: Banks County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Banks County |
| Unified School District | Banks County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,299.00 (+34.13%) | $120,432 (+38.44%) Land $8,529 Building $111,903 | $301,079 (+38.44%) Land $21,322 Building $279,757 |
| 2024 | $1,714.00 (+27.06%) | $86,995 (+31.2%) Land $7,754 Building $79,241 | $217,486 (+31.2%) Land $19,384 Building $198,102 |
| 2023 | $1,349.00 (+9.67%) | $66,305 (+13.21%) Land $7,350 Building $58,955 | $165,763 (+13.22%) Land $18,375 Building $147,388 |
| 2022 | $1,230.00 | $58,566 Land $7,272 Building $51,294 | $146,414 Land $18,179 Building $128,235 |
Source: FEMA National Flood Hazard Layer, Banks County (13011C), updated December 17, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 40% of the US · above 26% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 1,515 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | B66F016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,624 sqft Heated Area |
| 1st Floor | 1,624 sqft 1st Floor |
| Basement Area | 784 sqft Basement |
| Finished Basement | 784 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Plywood Flooring |
| Interior Structure | Plywood Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Ranch Style |
| Exterior Material | Wood Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 50,094 sqft (1.15 acres) |
| Deck Area | 406 sqft Deck |
| Porch | Open Porch |
| Porch Area | 424 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Account Number | 5170 |
|---|---|
| Street Address | 286 BARNES CIR |
| City | COMMERCE |
| State | GA |
| Zip | 30530-6917 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PB16-24 TRCTS 1 & 3 PB 26-197 |
| Legal Subdivision | SCROGGS RONNIE SURV |
| Jurisdiction | BANKS GA |
| Minor Civil Division | SOUTHEAST BANKS |
| Census Blockgroup | 1 |
| Census Block | 1023 |
| Census Tract | 970400 |
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