3059 Cedar Rdg Rd, Commerce, GA 30530 Property Records

Banks County property record for 3059 Cedar Rdg Rd, Commerce, GA 30530

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,504 sqft · built 2021
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$249,400 (Nov 2021)
Tax Bill	$1,980 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B75 017M`

Property Details

APN / Parcel Number

Primary APN	`B75 017M`
Alternative APN	`10948`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,504 sqft Heated Area
1st Floor Area	1,504 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Driveway	Driveway
Driveway Area	264 sqft
Porch	Open Porch
Porch Area	236 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	10948
Street Address	3059 CEDAR RIDGE RD
City	COMMERCE
State	GA
Zip	30530-7375
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	ARR
Legal Description	TR 12 PB 36-203
Legal Subdivision	MARTIN BRIDGE ESTATES - 00318
Legal Tract	12
Jurisdiction	BANKS GA
Township / Civil Division	HOMER
Census Block Group	3
Census Block	3012
Census Tract	970200

Owner

Source: Banks County records, as of November 13, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1733, WINDER, GA 30680-6733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Line of Credit PEACH STATE BANK AND TRUST
Nov 12, 2021	Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EVERETT FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2021 · Amount on File
Deed Sale	Nov 12, 2021 · Amount on File
Deed Document Number	0000516403
Deed Book / Page	516 / 403
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	3059 CEDAR RIDGE RD, COMMERCE, GA 30530-7375
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000513/0000000304
Date	Sep 30, 2021
Book Page	0000000513/0000000304

Lender

Name	PEACH STATE BANK AND TRUST

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2022

November 2021: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Nov 12, 2021
Property Address	3059 CEDAR RIDGE RD, COMMERCE, GA 30530-7375
Document Number	000516/403
Book / Page	516 / 403
Instrument Date	Nov 12, 2021
Instrument	2021-001159
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount on Record
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	3059 CEDAR RIDGE RD, COMMERCE, GA 30530-7375

Mortgage

Document Number	0000000516/0000000405
Date	Nov 15, 2021
Book Page	0000000516/0000000405

Lender

Name	EVERETT FINANCIAL

Agreement

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

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	$1,980.00 (+6.74%) Homeowner's exemption Senior Citizen's exemption	$124,983 (+9.47%) Land $15,000 Building $109,983	$312,458 (+9.47%) Land $37,500 Building $274,958
2024	$1,855.00 (+34.13%) Homeowner's exemption Senior Citizen's exemption	$114,171 (+7.76%) Land $12,900 Building $101,271	$285,428 (+7.76%) Land $32,250 Building $253,178
2023	$1,383.00 (-31.06%) Homeowner's exemption Senior Citizen's exemption	$105,949 (+8.65%) Land $13,200 Building $92,749	$264,873 (+8.65%) Land $33,000 Building $231,873
2022	$2,006.00 Homeowner's exemption	$97,515 Land $17,575 Building $79,940	$243,788 Land $43,937 Building $199,851

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 47% of the US · above 53% of Georgia
Wildfire Likelihood	0.1% 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000

May also be available: Verizon.

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