323 Culpepper Rd, Commerce, GA 30530 Property Records

Banks County property record for 323 Culpepper Rd, Commerce, GA 30530 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,502 sqft · built 1993
Lot Size	38 acres (1,655,280 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (May 2020)
Tax Bill	$2,145 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B81 084`

Property Details

APN / Parcel Number

Primary APN	`B81 084`
Alternative APN	`5587`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,502 sqft Heated Area
1st Floor Area	1,502 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	1,655,280 sqft (38 acres)
Garage Area	400 sqft

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Deck Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	5587
Street Address	323 CULPEPPER RD
City	COMMERCE
State	GA
Zip	30530-7106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PB18-32
Legal Subdivision	00100-LOWER END 6500
Legal Tract	1
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	1
Census Block	1046
Census Tract	970400

Owner

Source: Banks County records · APN B81 084

Assessment roll updated November 14, 2025 · Last verified April 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 File
Mailing Address	323 CULPEPPER RD, COMMERCE, GA 30530-7106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCE
May 14, 2020	Limited Warranty Deed, Transfer
Jun 01, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 14, 2020 · Amount on Record
Deed Sale	May 14, 2020 · Amount on Record
Deed Document Number	2020342
Deed Book / Page	482 / 374
Prior Transfer Date	Feb 22, 2006
Prior Transfer Doc	000276/262
Record Updated	Jun 08, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	323 CULPEPPER RD, COMMERCE, GA 30530-7106
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 CULPEPPER RD, COMMERCE, GA 30530-7106

Mortgage

Document Number	0000000482/0000000375
Date	May 21, 2020
Book Page	0000000482/0000000375

Lender

Name	AMERICAN FINANCE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2050

May 2020: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	May 14, 2020
Property Address	323 CULPEPPER RD, COMMERCE, GA 30530-7106
Document Number	000482/374
Book / Page	482 / 374
Instrument Date	May 14, 2020
Instrument	2020-000342
Transaction Type	Transfer
Record Updated	Jan 31, 2022

Transaction

Amount	Amount Recorded
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	323 CULPEPPER RD, COMMERCE, GA 30530-7106

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Jun 01, 2018
Property Address	323 CULPEPPER RD, COMMERCE, GA 30530-7106
Document Number	000452/407
Book / Page	452 / 407
Instrument Date	Jun 01, 2018
Instrument	2018-000386
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1676 BROCKTON RD, JEFFERSON, GA 30549-7026

Tax Assessment & Valuation

Source: Banks County records · Assessment roll updated November 14, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Banks County
Unified School District	Banks County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,145.00 (-0.46%) Homeowner's exemption	$190,670 (+4.66%) Land $93,495 Building $97,175	$476,675 (+4.66%) Land $233,737 Building $242,938
2024	$2,155.00 (+58.22%) Homeowner's exemption	$182,183 (+16.82%) Land $88,506 Building $93,677	$455,458 (+16.82%) Land $221,265 Building $234,193
2023	$1,362.00 (-13.14%) Homeowner's exemption	$155,953 (+0.62%) Land $86,200 Building $69,753	$389,883 (+0.62%) Land $215,501 Building $174,382
2022	$1,568.00 Homeowner's exemption	$154,993 Land $93,669 Building $61,324	$387,484 Land $234,173 Building $153,311

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 26% of Georgia
Wildfire Likelihood	About 1 in 1,667 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026

Mobile Coverage

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

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