Banks County property record for 312 Sims Bridge Rd, Commerce, GA 30530
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,331 sqft · built 1980 |
| Lot Size | 2.29 acres (99,752 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,685 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B78 073 |
| Primary APN | B78 073 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,331 sqft Heated Area |
| 1st Floor Area | 1,331 sqft |
| Basement Area | 1,080 sqft |
| Unfinished Basement | 1,080 sqft |
| Flooring | Plywood |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 99,752 sqft (2.29 acres) |
| Garage Area | 420 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 115 sqft |
| Deck Area | 216 sqft |
| Patio Area | 216 sqft |
| Utility Building | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Water Source | Commercial |
| Account Number | 4054 |
|---|---|
| Street Address | 312 SIMS BRIDGE RD |
| City | COMMERCE |
| State | GA |
| Zip | 30530-6859 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARR |
| Legal Description | GMD 207 H/L |
| Legal Subdivision | PHILLIP SPARKS SURV |
| Jurisdiction | BANKS GA |
| Township / Civil Division | SOUTHEAST BANKS |
| Census Block Group | 2 |
| Census Block | 2058 |
| Census Tract | 970400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 312 SIMS BRIDGE RD, COMMERCE, GA 30530-6859 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 1976 |
| Deed Sale | Nov 1, 1976 |
| Deed Document Number | 0000001281 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 312 SIMS BRIDGE RD, COMMERCE, GA 30530-6859 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 312 SIMS BRIDGE RD, COMMERCE, GA 30530-6859 |
| Document Number | 0000000592/0000000233 |
|---|---|
| Date | Dec 26, 2025 |
| Book Page | 0000000592/0000000233 |
| Name | BANK OZK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 348 Months |
| Due | Jan 1, 2055 |
Source: Banks County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Banks County |
| Unified School District | Banks County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,685.00 (-3.11%) Homeowner's exemption | $95,335 (+5.59%) Land $19,410 Building $75,925 | $238,338 (+5.59%) Land $48,526 Building $189,812 |
| 2024 | $1,739.00 (+71.84%) Homeowner's exemption | $90,287 (+29.46%) Land $17,646 Building $72,641 | $225,717 (+29.46%) Land $44,115 Building $181,602 |
| 2023 | $1,012.00 (-19.23%) Homeowner's exemption | $69,741 (+13.07%) Land $14,981 Building $54,760 | $174,354 (+13.08%) Land $37,453 Building $136,901 |
| 2022 | $1,253.00 Homeowner's exemption | $61,677 Land $13,435 Building $48,242 | $154,193 Land $33,587 Building $120,606 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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 | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Windstream.
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