432 Wrights Mill Rd, Commerce, GA 30530 Property Records

Banks County property record for 432 Wrights Mill Rd, Commerce, GA 30530

Property Summary

Property Type	Private Preserve, Open Space Vacant Land
Details	4 bd · 3.5 ba · 2,489 sqft · built 2015
Lot Size	11.9 acres (521,849 sqft)
Owner	2 Individual Names on File
Tax Bill	$69 (2025)
Deeds & Mortgages	May 2017 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B78 064`

Property Details

APN / Parcel Number

Primary APN	`B78 064`
Alternative APN	`5070`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,489 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	521,849 sqft (11.9 acres)
Garage Area	528 sqft
Porch	Porch
Porch Area	438 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	5070
Street Address	WRIGHTS MILL RD
City	COMMERCE
State	GA
Zip	30530
Property Category	Vacant Land
Property Type	Vacant Land > Private Preserve, Open Space
Local Zoning Code	ARR
Legal Description	TR 1 PB 36-179 H-175
Legal Subdivision	FREEMAN JOHNSON
Legal Tract	1
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	2
Census Block	2051
Census Tract	970400

Owner

Source: Banks County records, as of April 29, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	295 BORDERS RD, COMMERCE, GA 30530-6834
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2017	Deed of Trust, Mortgage AGGEORGIA FARM CREDIT
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL
Nov 18, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025
Deed Sale	Nov 18, 2025
Prior Sale	Mar 20, 2015 · Amount on File
Deed Book / Page	589 / 305
Prior Transfer Date	Nov 3, 2025
Prior Transfer Doc	000589/305
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	WRIGHTS MILL RD, COMMERCE, GA 30530
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000438/151
Date	May 10, 2017
Book Page	438/151

Lender

Name	AGGEORGIA FARM CREDIT

Agreement

Amount	Amount on Record
Term	240 Months
Due	May 1, 2037

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	WRIGHTS MILL RD, COMMERCE, GA 30530
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 WRIGHTS MILL RD, COMMERCE, GA 30530-6877

Mortgage

Document Number	0000000498/0000000811
Date	Mar 2, 2021
Book Page	0000000498/0000000811

Lender

Name	EVERETT FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BANKS GA
Recording Date	Nov 18, 2025
Property Address	WRIGHTS MILL RD, COMMERCE, GA 30530
Document Number	000589/305
Book / Page	589 / 305
Instrument Date	Nov 3, 2025
Transaction Type	Transfer
Record Updated	Apr 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 BORDERS RD, COMMERCE, GA 30530-6834

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	$69.00	$62,332 (+1%) Land $62,332	$155,830 (+1%) Land $155,830
2024	$69.00 Additional exemption filed	$56,666 (+18.25%) Land $56,666	$141,664 (+18.25%) Land $141,664
2023	$69.00 (-97.08%) Additional exemption filed	$47,920 (-67.32%) Land $47,920	$119,800 (-67.32%) Land $119,800
2022	$2,364.00	$146,614 Land $43,658 Building $102,956	$366,535 Land $109,145 Building $257,390

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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