Banks County property record for 433 Neal Rd, Commerce, GA 30530 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,196 sqft · built 1992 |
| Lot Size | 8.84 acres (385,070 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,665 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B77E004 |
| Primary APN | B77E004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,196 sqft Heated Area |
| 1st Floor Area | 1,740 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Wood |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 385,070 sqft (8.84 acres) |
| Garage Area | 2,948 sqft |
| Porch | Slab |
| Porch Area | 392 sqft |
| Patio Area | 230 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 2609 |
|---|---|
| Street Address | 433 NEAL RD |
| City | COMMERCE |
| State | GA |
| Zip | 30530-6527 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2L GMD 208 PB 7-243 |
| Legal Lot Number | 2L |
| Jurisdiction | BANKS GA |
| Township / Civil Division | SOUTHEAST BANKS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 970400 |
Source: Banks County records · APN B77E004
Assessment roll updated November 14, 2025 · Last verified April 2026
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 File |
|---|---|
| Mailing Address | 433 NEAL RD, COMMERCE, GA 30530-6527 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Apr 14, 2026 |
| Property Address | 433 NEAL RD, COMMERCE, GA 30530-6527 |
| Document Number | 0598000156 |
| Book / Page | 598 / 156 |
| Instrument Date | Apr 10, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 433 NEAL RD, COMMERCE, GA 30530-6527 |
| Document Number | 0598000159, |
|---|---|
| Date | Apr 14, 2026 |
| Book Page | 598/159 |
| Name | CREDIT UNION ONE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
Source: Banks County records · Assessment roll updated November 14, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Banks County |
| Unified School District | Banks County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,665.00 (-1.7%) Homeowner's exemption Senior Citizen's exemption | $167,754 (+6.44%) Land $50,510 Building $117,244 | $419,385 (+6.44%) Land $126,276 Building $293,109 |
| 2024 | $2,711.00 (+35.28%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $157,601 (+15.48%) Land $45,918 Building $111,683 | $394,003 (+15.48%) Land $114,796 Building $279,207 |
| 2023 | $2,004.00 (-6.7%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $136,476 (+11.62%) Land $37,694 Building $98,782 | $341,188 (+11.62%) Land $94,234 Building $246,954 |
| 2022 | $2,148.00 Homeowner's exemption Senior Citizen's exemption | $122,268 Land $37,126 Building $85,142 | $305,670 Land $92,815 Building $212,855 |
Source: FEMA National Flood Hazard Layer, Banks County (13011C), updated December 17, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 130119704002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Moderate above 40% of the US · above 26% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 1,429 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 17 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| TruVista Communications | Fiber | 5,000 / 5,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G (outdoors only) and 4G LTE
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