Banks County property record for 478 Brown Bridge Rd, Commerce, GA 30530
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,440 sqft · built 1996 |
| Lot Size | 2.24 acres (97,574 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,938 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B66 089 |
| Primary APN | B66 089 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,440 sqft Heated Area |
| 1st Floor Area | 1,440 sqft |
| Basement Area | 1,344 sqft |
| Unfinished Basement | 1,344 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 97,574 sqft (2.24 acres) |
| Garage Area | 480 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | 80 sqft |
| Patio Area | 368 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Canopy | 400 sqft |
| Storage Building | 120 sqft |
| Utility Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 6142 |
|---|---|
| Street Address | 478 BROWN BRIDGE RD |
| City | COMMERCE |
| State | GA |
| Zip | 30530-6932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARR |
| Legal Description | GMD 207 PB21-20 |
| Legal Subdivision | THOMAS F CAUDELL & TRACY CAUDE |
| Jurisdiction | BANKS GA |
| Township / Civil Division | SOUTHEAST BANKS |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 970400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 478 BROWN BRIDGE RD, COMMERCE, GA 30530-6932 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 15, 2026 | Deed of Trust, Mortgage |
| Jun 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHEAST MORTGAGE |
| Sep 13, 2018 | Warranty Deed, Transfer |
| Sep 13, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 13, 2018 |
| Transfer Doc | 0000456/66 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Jul 15, 2026 |
| Property Address | 478 BROWN BRIDGE RD, COMMERCE, GA 30530-6932 |
| Document Number | 0603000671 |
| Book / Page | 603 / 671 |
| Instrument Date | Jul 7, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2026 |
| Name | Verified Name |
|---|---|
| Address | 478 BROWN BRIDGE RD, COMMERCE, GA 30530-6932 |
| Document Number | 0603000671, |
|---|---|
| Date | Jul 15, 2026 |
| Book Page | 603/671 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 478 BROWN BRIDGE RD, COMMERCE, GA 30530-6932 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 478 BROWN BRIDGE RD, COMMERCE, GA 30530-6932 |
| Document Number | 0000000483/0000000246 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 0000000483/0000000246 |
| Name | SOUTHEAST MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Sep 13, 2018 |
| Property Address | 478 BROWN BRIDGE RD, COMMERCE, GA 30530-6932 |
| Document Number | 456/66 |
| Book / Page | 456 / 66 |
| Instrument Date | Sep 13, 2018 |
| Instrument | 2018-000628 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 BROWN RD, COMMERCE, GA 30530-4424 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Sep 13, 2018 |
| Property Address | 478 BROWN BRIDGE RD, COMMERCE, GA 30530-6932 |
| Document Number | 0000456/66 |
| Book / Page | 456 / 66 |
| Instrument Date | Sep 13, 2018 |
| Instrument | 2018-000628 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 BROWN RD, COMMERCE, GA 30530-4424 |
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 | $1,938.00 (-3.1%) Homeowner's exemption | $107,864 (+4.19%) Land $15,138 Building $92,726 | $269,662 (+4.19%) Land $37,846 Building $231,816 |
| 2024 | $2,000.00 (+53.85%) Homeowner's exemption | $103,530 (+23.4%) Land $13,762 Building $89,768 | $258,826 (+23.4%) Land $34,405 Building $224,421 |
| 2023 | $1,300.00 (-17.46%) Homeowner's exemption | $83,896 Land $13,766 Building $70,130 | $209,738 Land $34,414 Building $175,324 |
| 2022 | $1,575.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 17, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.08% 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 Fiber | 2,000 / 2,000 |
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