489 McDonald Cir, Commerce, GA 30529 Property Records

Banks County property record for 489 McDonald Cir, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,722 sqft · built 1990
Lot Size	10.6 acres (464,785 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,813 (2025)
Deeds & Mortgages	Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`B53 033`

Property Details

APN / Parcel Number

Primary APN	`B53 033`
Alternative APN	`5100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,722 sqft Heated Area
1st Floor Area	1,218 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	464,785 sqft (10.6 acres)

Exterior Amenities

Porch	Slab
Porch Area	156 sqft
Deck Area	20 sqft
Patio Area	20 sqft
Storage Building	1,500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	5100
Street Address	489 MCDONALD CIR
City	COMMERCE
State	GA
Zip	30529-6259
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	PB20-178 & PB14-140 L&E PB 36-58
Legal Subdivision	00400-DRAGWAY TO MAYSVILLE AREA 7500
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	2
Census Block	2016
Census Tract	970400

Owner

Source: Banks County records, as of November 14, 2025

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 Record
Mailing Address	489 MCDONALD CIR, COMMERCE, GA 30529-6259
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 8, 2020
Transfer Doc	000483/365
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Jun 8, 2020
Property Address	489 MCDONALD CIR, COMMERCE, GA 30529-6259
Document Number	000483/365
Book / Page	483 / 365
Instrument Date	Jun 8, 2020
Instrument	2020-000407
Transaction Type	Transfer
Record Updated	Jan 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 MCDONALD CIR, COMMERCE, GA 30529-6259

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	$2,813.00 (-1.09%) Homeowner's exemption	$155,820 (+6.45%) Land $61,984 Building $93,836	$389,550 (+6.45%) Land $154,959 Building $234,591
2024	$2,844.00 (+48.98%) Homeowner's exemption	$146,385 (+28.63%) Land $56,349 Building $90,036	$365,961 (+28.63%) Land $140,872 Building $225,089
2023	$1,909.00 (-0.88%) Homeowner's exemption	$113,807 (+21.46%) Land $46,948 Building $66,859	$284,517 (+21.46%) Land $117,370 Building $167,147
2022	$1,926.00 Homeowner's exemption	$93,699 Land $37,597 Building $56,102	$234,248 Land $93,993 Building $140,255

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable · DSL	1,000 / 25
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20