Banks County property record for 396 Happy Rock Cir, Commerce, GA 30530
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 3,663 sqft · built 2024 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,803 (2025) |
| Deeds & Mortgages | Jul 2025 Construction Loan Jun 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B81 093A |
| Primary APN | B81 093A |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,663 sqft Heated Area |
| 1st Floor Area | 3,663 sqft |
| Basement Area | 3,663 sqft |
| Unfinished Basement | 3,663 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Brick |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Porch | Open Porch |
| Porch Area | 1,956 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 11564 |
|---|---|
| Street Address | 396 HAPPY ROCK CIR |
| City | COMMERCE |
| State | GA |
| Zip | 30530-7124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARR |
| Legal Description | TR 3 PB 37-447 |
| Legal Tract | 3 |
| Jurisdiction | BANKS GA |
| Township / Civil Division | SOUTHEAST BANKS |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 970400 |
396 Happy Rock Cir is owned by two individuals who acquired it in August 2023.
Source: Banks County records, as of November 13, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 HOMER ST, MAYSVILLE, GA 30558-1739 |
| 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.
| Date | Document |
|---|---|
| Jul 22, 2025 | Deed of Trust, Mortgage · Construction Mortgage AMERIS BANK |
| Jun 12, 2024 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2023 |
| Deed Sale | Aug 31, 2023 |
| Deed Document Number | 0000549303 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 396 HAPPY ROCK CIR, COMMERCE, GA 30530-7124 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 396 HAPPY ROCK CIR, COMMERCE, GA 30530-7124 |
| Document Number | 0000000581/0000000798 |
|---|---|
| Date | Jul 22, 2025 |
| Book Page | 0000000581/0000000798 |
| Name | AMERIS BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 396 HAPPY ROCK CIR, COMMERCE, GA 30530-7124 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 40 HOMER ST, MAYSVILLE, GA 30558-1739 |
| Document Number | 0000000561/0000000718 |
|---|---|
| Date | Jun 12, 2024 |
| Book Page | 0000000561/0000000718 |
| Name | AMERIS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2055 |
The 2025 property tax bill for 396 Happy Rock Cir was $3,803.
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 | $3,803.00 | $199,225 Land $16,035 Building $183,190 | $498,061 Land $40,087 Building $457,974 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 396 Happy Rock Cir 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 risk around 396 Happy Rock Cir is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 65% of Georgia |
|---|---|
| Wildfire Likelihood | 0.07% 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 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 50 / 3 |
5G (outdoors only) and 4G LTE
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