Banks County property record for 413 McDonald Cir, Commerce, GA 30529
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 780 sqft · built 1971 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $456 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Dec 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B53 036 |
| Primary APN | B53 036 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 780 sqft Gross Area |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Material | Metal |
| Lot Area | 87,120 sqft (2 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 416 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Canopy | 400 sqft |
| Storage Building | 96 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Account Number | 633 |
|---|---|
| Street Address | 413 MCDONALD CIR |
| City | COMMERCE |
| State | GA |
| Zip | 30529-6259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | ARR |
| Legal Description | PB13-60 PB I-16 TR 1 |
| Legal Subdivision | 00400-DRAGWAY TO MAYSVILLE AREA 7500 |
| Legal Tract | 1 |
| Jurisdiction | BANKS GA |
| Township / Civil Division | SOUTHEAST BANKS |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 970400 |
413 McDonald Cir, a rural home, is owned and occupied by two individuals who acquired it in December 2023.
Source: Banks County records, as of October 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 413 MCDONALD CIR, COMMERCE, GA 30529-6259 |
| 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.
| Date | Document |
|---|---|
| Dec 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage NORTHEAST GEORGIA BANK |
| Dec 20, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Apr 22, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2023 |
| Deed Sale | Dec 20, 2023 |
| Prior Sale | Dec 20, 2023 · Amount on File |
| Deed Book / Page | 554 / 593 |
| Prior Transfer Date | Nov 29, 2023 |
| Prior Transfer Doc | 000554/593 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Dec 20, 2023 |
| Property Address | 413 MCDONALD CIR, COMMERCE, GA 30529-6259 |
| Document Number | 000554/595 |
| Book / Page | 554 / 595 |
| Instrument Date | Nov 29, 2023 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 413 MCDONALD CIR, COMMERCE, GA 30529-6259 |
| Document Number | 0000554599 |
|---|---|
| Date | Dec 20, 2023 |
| Instrument | 554/599 |
| Name | NORTHEAST GEORGIA BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Jan 1, 2043 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Dec 20, 2023 |
| Property Address | 413 MCDONALD CIR, COMMERCE, GA 30529-6259 |
| Document Number | 000554/593 |
| Book / Page | 554 / 593 |
| Instrument Date | Nov 29, 2023 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 413 MCDONALD CIR, COMMERCE, GA 30529-6259 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Apr 22, 2022 |
| Property Address | 413 MCDONALD CIR, COMMERCE, GA 30529-6259 |
| Document Number | 000527/168 |
| Book / Page | 527 / 168 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 2022-000378 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 413 MCDONALD CIR, COMMERCE, GA 30529-6259 |
The 2025 property tax bill for 413 McDonald Cir was $456 with a homeowner's exemption, down 3.2% from the year before.
Source: Banks County assessment roll, as of November 14, 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 | $456.00 (-3.18%) Homeowner's exemption | $27,605 (+6.55%) Land $19,251 Building $8,354 | $69,014 (+6.56%) Land $48,128 Building $20,886 |
| 2024 | $471.00 (+659.68%) Homeowner's exemption | $25,907 (+12.88%) Land $17,501 Building $8,406 | $64,768 (+12.88%) Land $43,753 Building $21,015 |
| 2023 | $62.00 (-86.4%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $22,951 (+5.63%) Land $14,520 Building $8,431 | $57,378 (+5.64%) Land $36,300 Building $21,078 |
| 2022 | $456.00 Homeowner's exemption Senior Citizen's exemption | $21,727 Land $13,458 Building $8,269 | $54,317 Land $33,645 Building $20,672 |
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.
FEMA maps place 413 McDonald Cir in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 413 McDonald Cir is moderate, ranking above 40% 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 40% of the US · lower than 73% 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Cable · DSL | 1,000 / 25 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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