296 Emory Chambers Rd, Lula, GA 30554 Property Records

Banks County property record for 296 Emory Chambers Rd, Lula, GA 30554

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,946 sqft · built 1991
Lot Size	22.4 acres (975,744 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Dec 2025)
Tax Bill	$2,295 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B38 006`

Property Details

APN / Parcel Number

Primary APN	`B38 006`
Alternative APN	`4569`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,946 sqft Heated Area
1st Floor Area	1,946 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2001
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Metal
Lot Area	975,744 sqft (22.4 acres)
Garage Area	616 sqft

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	336 sqft
Patio Area	336 sqft
Poultry House	14,400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	4569
Street Address	296 EMORY CHAMBERS RD
City	LULA
State	GA
Zip	30554-3916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	LOTS 22 & 23 10-48 20-139
Legal Subdivision	00300-HOMER AREA 6000
Legal Lot Number	22,23
Jurisdiction	BANKS GA
Township / Civil Division	HOMER
Census Block Group	1
Census Block	1016
Census Tract	970200

Owner

Source: Banks County records, as of July 15, 2026

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	296 EMORY CHAMBERS RD, LULA, GA 30554-3916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANKSOUTH MORTGAGE
Mar 7, 2024	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage VANDERBILT MORTGAGE
Nov 30, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2025 · Amount on Record
Deed Sale	Dec 1, 2025 · Amount on Record
Prior Sale	Nov 30, 2017 · Amount on Record
Deed Book / Page	590 / 791
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	296 EMORY CHAMBERS RD, LULA, GA 30554-3916
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 EMORY CHAMBERS RD, LULA, GA 30554-3916

Mortgage

Document Number	0000000590/0000000794
Date	Dec 1, 2025
Book Page	0000000590/0000000794

Lender

Name	BANKSOUTH MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	296 EMORY CHAMBERS RD, LULA, GA 30554-3916
Transaction Type	Mortgage
Record Updated	Apr 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 EMORY CHAMBERS RD, LULA, GA 30554-3916

Mortgage

Document Number	0000000557/0000000486
Date	Mar 7, 2024
Book Page	0000000557/0000000486

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2039

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	296 EMORY CHAMBERS RD, LULA, GA 30554-3916
Transaction Type	Mortgage
Record Updated	Jun 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 EMORY CHAMBERS RD, LULA, GA 30554-3916

Mortgage

Document Number	0000000504/0000000313
Date	May 17, 2021
Book Page	0000000504/0000000313

Lender

Name	VANDERBILT MORTGAGE

Agreement

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

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Nov 30, 2017
Property Address	296 EMORY CHAMBERS RD, LULA, GA 30554-3916
Document Number	00000446/1
Book / Page	446 / 1
Instrument Date	Nov 30, 2017
Instrument	2017-000883
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	296 EMORY CHAMBERS RD, LULA, GA 30554-3916

Mortgage

Document Number	446/3
Date	Dec 4, 2017
Book Page	446/3

Lender

Name	HOMESTAR FINANCIAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

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	$2,295.00 (-2.88%) Homeowner's exemption	$203,833 (+7.03%) Land $89,000 Building $114,833	$509,582 (+7.03%) Land $222,499 Building $287,083
2024	$2,363.00 (+55.77%) Homeowner's exemption	$190,436 (+22.05%) Land $80,909 Building $109,527	$476,090 (+22.05%) Land $202,272 Building $273,818
2023	$1,517.00 (-14.34%) Homeowner's exemption	$156,034 (+18.92%) Land $73,024 Building $83,010	$390,085 (+18.92%) Land $182,560 Building $207,525
2022	$1,771.00 Homeowner's exemption	$131,213 Land $54,585 Building $76,628	$328,032 Land $136,462 Building $191,570

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Oct 2020 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · above 42% of Georgia
Wildfire Likelihood	0.09% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	25 / 3

May also be available: Verizon.

Cell Coverage

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

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