433 Emory Chambers Rd, Lula, GA 30554 Property Records

Banks County property record for 433 Emory Chambers Rd, Lula, GA 30554

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 2024
Lot Size	8.73 acres (380,279 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,476 (2025)
Deeds & Mortgages	Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B38 001A`

Property Details

APN / Parcel Number

Primary APN	`B38 001A`
Alternative APN	`8757`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,352 sqft Heated Area
1st Floor Area	1,352 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	380,279 sqft (8.73 acres)
Garage Area	384 sqft
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8757
Street Address	433 EMORY CHAMBERS RD
City	LULA
State	GA
Zip	30554-3952
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	TR 2 PB 37-372
Legal Subdivision	SURVEY FOR DENNIS GROVER
Legal Tract	2
Jurisdiction	BANKS GA
Township / Civil Division	HOMER
Census Block Group	1
Census Block	1017
Census Tract	970200

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	433 EMORY CHAMBERS RD, LULA, GA 30554-3952
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2023
Deed Sale	Jul 6, 2023
Prior Sale	Mar 24, 2010 · Amount on Record
Deed Document Number	2023517
Deed Book / Page	546 / 426
Record Updated	Sep 20, 2026

July 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Jul 5, 2023
Property Address	433 EMORY CHAMBERS RD, LULA, GA 30554-3952
Document Number	000546/426
Book / Page	546 / 426
Instrument Date	Jul 5, 2023
Instrument	2023000517
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	531 EMORY CHAMBERS RD, LULA, GA 30554-3925

Mortgage

Document Number	0000546429
Date	Jul 5, 2023
Instrument	546/429

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2053

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	$2,476.00 (+215.01%) Homeowner's exemption	$131,717 (+229.93%) Land $43,915 Building $87,802	$329,292 (+229.93%) Land $109,787 Building $219,505
2024	$786.00 (-52.65%)	$39,923 (-60.7%) Land $39,923	$99,807 (-60.7%) Land $99,807
2023	$1,660.00 (-0.9%) Homeowner's exemption	$101,578 (+24.29%) Land $32,140 Building $69,438	$253,947 (+24.29%) Land $80,351 Building $173,596
2022	$1,675.00 Homeowner's exemption	$81,727 Land $23,210 Building $58,517	$204,318 Land $58,026 Building $146,292

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	1 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Oct 2020 · rainfall accumulation

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 46% of the US · above 49% of Georgia
Wildfire Likelihood	0.09% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000

Cell Coverage

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

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