428 Sims Bridge Rd, Commerce, GA 30530 Property Records

Banks County property record for 428 Sims Bridge Rd, Commerce, GA 30530

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,500 sqft · built 2017
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,010 (2025)
Deeds & Mortgages	Apr 2017 Mortgage May 2016 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`B78 071A`

Property Details

APN / Parcel Number

Primary APN	`B78 071A`
Alternative APN	`9608`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,500 sqft Heated Area
1st Floor Area	1,500 sqft
Basement Area	1,500 sqft
Unfinished Basement	1,500 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Pool Area	500 sqft
Porch	Slab
Porch Area	1,352 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	9608
Street Address	428 SIMS BRIDGE RD
City	COMMERCE
State	GA
Zip	30530-7813
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	ARR
Legal Description	GMD 207 PB H-28
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	2
Census Block	2058
Census Tract	970400

Owner

Source: Banks County records, as of November 14, 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	428 SIMS BRIDGE RD, COMMERCE, GA 30530-7813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2017	Deed of Trust, Mortgage RABUN COUNTY BANK
May 12, 2016	Deed of Trust, Mortgage RABUN COUNTY BANK
Aug 3, 2022	Deed of Trust, Mortgage · Line of Credit RABUN COUNTY BANK
Jan 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage RABUN COUNTY BANK
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Mar 2, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 2, 2017
Transfer Doc	0000437/57
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	428 SIMS BRIDGE RD, COMMERCE, GA 30530-7813
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000437/58
Date	Apr 10, 2017
Book Page	437/58

Lender

Name	RABUN COUNTY BANK
Type	Bank

Agreement

Amount	Amount Recorded

May 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	428 SIMS BRIDGE RD, COMMERCE, GA 30530-7813
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000424/587
Date	May 12, 2016
Book Page	424/587

Lender

Name	RABUN COUNTY BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	156 Months
Due	May 1, 2029

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	428 SIMS BRIDGE RD, COMMERCE, GA 30530-7813
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SIMS BRIDGE RD, COMMERCE, GA 30530-7813

Mortgage

Document Number	0000000532/0000000231
Date	Aug 3, 2022
Book Page	0000000532/0000000231

Lender

Name	RABUN COUNTY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2047

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	428 SIMS BRIDGE RD, COMMERCE, GA 30530-7813
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000447/629
Date	Jan 25, 2018
Book Page	447/629

Lender

Name	RABUN COUNTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	428 SIMS BRIDGE RD, COMMERCE, GA 30530-7813
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 SIMS BRIDGE RD, COMMERCE, GA 30530-6860

Mortgage

Document Number	0000000499/0000000758
Date	Mar 15, 2021
Book Page	0000000499/0000000758

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Mar 2, 2017
Property Address	428 SIMS BRIDGE RD, COMMERCE, GA 30530-7813
Document Number	0000437/57
Book / Page	437 / 57
Instrument Date	Mar 2, 2017
Instrument	2017-000247
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	448 SIMS BRIDGE RD, COMMERCE, GA 30530-6860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 SIMS BRIDGE RD, COMMERCE, GA 30530-6860

Tax Assessment & Valuation

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	$3,010.00 (+3.76%) Homeowner's exemption	$167,929 (+12.5%) Land $35,475 Building $132,454	$419,823 (+12.5%) Land $88,688 Building $331,135
2024	$2,901.00 (+22.56%) Homeowner's exemption	$149,275 (+9.5%) Land $32,250 Building $117,025	$373,187 (+9.5%) Land $80,625 Building $292,562
2023	$2,367.00 (-1.54%) Homeowner's exemption	$136,324 (+17.08%) Land $30,000 Building $106,324	$340,809 (+17.08%) Land $75,000 Building $265,809
2022	$2,404.00 Homeowner's exemption	$116,438 Land $21,692 Building $94,746	$291,094 Land $54,230 Building $236,864

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

Flood

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

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

Wildfire Risk	Low lower than 62% of the US · lower than 80% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3
Windstream DSL	10 / 1

May also be available: AT&T.

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