316 Hwy 59, Commerce, GA 30530 Property Records

Banks County property record for 316 Hwy 59, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,201 sqft · built 2004
Lot Size	2.12 acres (92,347 sqft)
Owner	2 Individual Names on File
Last Sale	$178,500 (Dec 2012)
Tax Bill	$3,134 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B67G004`

Property Details

APN / Parcel Number

Primary APN	`B67G004`
Alternative APN	`8447`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,201 sqft Heated Area
1st Floor Area	2,201 sqft
Basement Area	2,201 sqft
Finished Basement	2,201 sqft
Unfinished Basement	2,201 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	92,347 sqft (2.12 acres)
Lot Width	200 ft Width
Garage Type	Mixed
Garage Area	980 sqft

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	204 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	8447
Street Address	316 HIGHWAY 59
City	COMMERCE
State	GA
Zip	30530-6627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	GMD 207 LT3 PB 28-108 ELIZABETHS WY
Legal Subdivision	ELIZABETHS WAY - 00114
Legal Lot Number	3
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	1
Census Block	1024
Census Tract	970400

Owner

316 Hwy 59 is owned and occupied by two individuals who bought it in December 2012.

Source: Banks County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	316 HIGHWAY 59, COMMERCE, GA 30530-6627
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Aug 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2012 · Amount on File
Deed Sale	Dec 6, 2012 · Amount on File
Prior Sale	Jul 26, 2012 · Amount on File
Deed Document Number	2012836
Deed Book / Page	382 / 683
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	316 HIGHWAY 59, COMMERCE, GA 30530-6627
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 HIGHWAY 59, COMMERCE, GA 30530-6627

Mortgage

Document Number	0000000490/0000000397
Date	Oct 27, 2020
Book Page	0000000490/0000000397

Lender

Name	TRUIST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	316 HIGHWAY 59, COMMERCE, GA 30530-6627
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 HIGHWAY 59, COMMERCE, GA 30530-6627

Mortgage

Document Number	0000000469/0000000372
Date	Aug 23, 2019
Book Page	0000000469/0000000372

Lender

Name	SUNTRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 316 Hwy 59 was $3,134 with a homeowner's exemption, down 3.1% from the year before.

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	$3,134.00 (-3.09%) Homeowner's exemption	$205,388 (+23.6%) Land $16,800 Building $188,588	$513,471 (+23.6%) Land $42,000 Building $471,471
2024	$3,234.00 (+22.31%) Homeowner's exemption	$166,178 (+10.83%) Land $16,800 Building $149,378	$415,444 (+10.83%) Land $42,000 Building $373,444
2023	$2,644.00 (-3.82%) Homeowner's exemption	$149,942 (+12.85%) Land $16,800 Building $133,142	$374,856 (+12.85%) Land $42,000 Building $332,856
2022	$2,749.00 Homeowner's exemption	$132,874 Land $16,800 Building $116,074	$332,185 Land $42,000 Building $290,185

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

Flood

FEMA maps place 316 Hwy 59 in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 316 Hwy 59 is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 87% of Georgia
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Windstream.

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