592 Neal Rd, Commerce, GA 30530 Property Records

Banks County property record for 592 Neal Rd, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,524 sqft · built 1999
Lot Size	4.96 acres (216,058 sqft)
Owner	2 Individual Names on File
Last Sale	$299,900 (Jul 2020)
Tax Bill	$2,282 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B77E010`

Property Details

APN / Parcel Number

Primary APN	`B77E010`
Alternative APN	`2845`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,524 sqft Heated Area
1st Floor Area	984 sqft
Basement Area	972 sqft
Unfinished Basement	972 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Architectural Style	Rustic
Exterior Material	Wood Shingle
Construction Type	Log
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	216,058 sqft (4.96 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	312 sqft
Deck Area	492 sqft
Patio Area	492 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	2845
Street Address	592 NEAL RD
City	COMMERCE
State	GA
Zip	30530-6524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	PB 24-95 TRACT 15
Legal Subdivision	IMPERIAL GROUP LTD
Legal Tract	15
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	2
Census Block	2026
Census Tract	970400

Owner

592 Neal Rd is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	592 NEAL RD, COMMERCE, GA 30530-6524
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2020	Limited Warranty Deed, Transfer · Conventional Mortgage RABUN COUNTY BANK
Feb 28, 2017	Limited Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2020 · Amount on File
Deed Sale	Jul 24, 2020 · Amount on File
Prior Sale	Feb 28, 2017 · Amount on File
Deed Document Number	2020565
Deed Book / Page	485 / 613
Prior Transfer Date	Feb 24, 2015
Prior Transfer Doc	0000410/56
Record Updated	Jun 8, 2026

July 2020: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Jul 24, 2020
Property Address	592 NEAL RD, COMMERCE, GA 30530-6524
Document Number	000485/613
Book / Page	485 / 613
Instrument Date	Jul 24, 2020
Instrument	2020-000565
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 WELLS RD, HOMER, GA 30547-1828

Mortgage

Document Number	0000000485/0000000615
Date	Jul 28, 2020
Book Page	0000000485/0000000615

Lender

Name	RABUN COUNTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

February 2017: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Feb 28, 2017
Property Address	592 NEAL RD, COMMERCE, GA 30530-6524
Document Number	000435/501
Book / Page	435 / 501
Instrument Date	Feb 28, 2017
Instrument	2017-000155
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	592 NEAL RD, COMMERCE, GA 30530-6524

Mortgage

Document Number	000435/502
Date	Mar 1, 2017
Book Page	435/502

Lender

Name	HOMESTAR FINANCIAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 592 Neal Rd was $2,282 with exemptions applied, down 3.3% from the year before.

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	$2,282.00 (-3.26%) Homeowner's exemption Disabled Person's exemption	$146,607 (+4.91%) Land $24,758 Building $121,849	$366,518 (+4.91%) Land $61,896 Building $304,622
2024	$2,359.00 (+31.79%) Homeowner's exemption Disabled Person's exemption	$139,744 (+10.93%) Land $22,508 Building $117,236	$349,360 (+10.93%) Land $56,269 Building $293,091
2023	$1,790.00 (-4.53%) Homeowner's exemption Disabled Person's exemption	$125,975 (+15.32%) Land $24,735 Building $101,240	$314,938 (+15.32%) Land $61,837 Building $253,101
2022	$1,875.00 Homeowner's exemption	$109,236 Land $17,894 Building $91,342	$273,088 Land $44,734 Building $228,354

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 592 Neal Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 592 Neal Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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