604 Craig Rd, Commerce, GA 30530 Property Records

Banks County property record for 604 Craig Rd, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,365 sqft · built 2001
Lot Size	7.23 acres (315,374 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Jun 2006)
Tax Bill	$4,199 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B86 009`

Property Details

APN / Parcel Number

Primary APN	`B86 009`
Alternative APN	`1035`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,365 sqft Heated Area
1st Floor Area	2,717 sqft
Attic Area	624 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2011
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	315,374 sqft (7.23 acres)
Garage Area	624 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	854 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1035
Street Address	604 CRAIG RD
City	COMMERCE
State	GA
Zip	30530-7063
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	GMD 207 PB 25-29 PB 26-82 PB11-68
Legal Subdivision	JAMES & MELONY SMITH
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	1
Census Block	1005
Census Tract	970400

Owner

Source: Banks County records, as of November 13, 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
Co-owner	Co-owner on Record
Mailing Address	604 CRAIG RD, COMMERCE, GA 30530-7063
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Jul 27, 2018	Deed of Trust, Mortgage · VA Mortgage BRIDGEVIEW BANK GROUP
Jul 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2006 · Amount on Record
Deed Sale	Jun 29, 2006 · Amount on Record
Deed Document Number	2006-000638
Deed Book / Page	284 / 582
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	604 CRAIG RD, COMMERCE, GA 30530-7063
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	441/216
Date	Aug 2, 2017
Book Page	441/216

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	604 CRAIG RD, COMMERCE, GA 30530-7063
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	454/315
Date	Jul 27, 2018
Book Page	454/315

Lender

Name	BRIDGEVIEW BANK GROUP
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	604 CRAIG RD, COMMERCE, GA 30530-7063
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 CRAIG RD, COMMERCE, GA 30530-7063

Mortgage

Document Number	0000000467/0000000841
Date	Jul 18, 2019
Book Page	0000000467/0000000841

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	604 CRAIG RD, COMMERCE, GA 30530-7063
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 CRAIG RD, COMMERCE, GA 30530-7063

Mortgage

Document Number	0000000478/0000000369
Date	Feb 26, 2020
Book Page	0000000478/0000000369

Lender

Name	QUICKEN LOANS

Agreement

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

Tax Assessment & Valuation

Source: Banks County assessment roll, as of July 1, 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	$4,199.00 (-2.44%) Homeowner's exemption Senior Citizen's exemption	$250,729 (+5.15%) Land $52,783 Building $197,946	$626,821 (+5.15%) Land $131,957 Building $494,864
2024	$4,304.00 (+27.37%) Homeowner's exemption Senior Citizen's exemption	$238,452 (+16.88%) Land $47,984 Building $190,468	$596,132 (+16.88%) Land $119,961 Building $476,171
2023	$3,379.00 (+4.07%) Homeowner's exemption Senior Citizen's exemption	$204,012 (+16.87%) Land $41,364 Building $162,648	$510,032 (+16.88%) Land $103,411 Building $406,621
2022	$3,247.00 Homeowner's exemption Senior Citizen's exemption	$174,556 Land $34,778 Building $139,778	$436,391 Land $86,946 Building $349,445

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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 65% of Georgia
Wildfire Likelihood	0.06% 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)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

Cell Coverage

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

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