Banks County property record for 645 Fort Lamar Rd, Commerce, GA 30530
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,890 sqft · built 2022 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,901 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Aug 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | B81 045C |
| Primary APN | B81 045C |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,890 sqft Heated Area |
| 1st Floor Area | 1,890 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 875 sqft |
| Porch | Slab |
| Porch Area | 684 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 11306 |
|---|---|
| Street Address | 645 FORT LAMAR RD |
| City | COMMERCE |
| State | GA |
| Zip | 30530-7227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | ARR |
| Legal Description | PB 37-131 |
| Jurisdiction | BANKS GA |
| Township / Civil Division | SOUTHEAST BANKS |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 970400 |
645 Fort Lamar Rd, a rural home, is owned and occupied by two individuals who acquired it in July 2023.
Source: Banks County records, as of November 14, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 512, COMMERCE, GA 30529-0011 |
| 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.
| Date | Document |
|---|---|
| Sep 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE |
| Aug 4, 2023 | Limited Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 24, 2023 |
| Transfer Doc | 000547/841 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 645 FORT LAMAR RD, COMMERCE, GA 30530-7227 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 645 FORT LAMAR RD, COMMERCE, GA 30530-7227 |
| Document Number | 0000000585/0000000656 |
|---|---|
| Date | Sep 22, 2025 |
| Book Page | 0000000585/0000000656 |
| Name | UNITED WHOLESALE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2055 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | BANKS GA |
| Recording Date | Aug 4, 2023 |
| Property Address | 645 FORT LAMAR RD, COMMERCE, GA 30530-7227 |
| Document Number | 000547/841 |
| Book / Page | 547 / 841 |
| Instrument Date | Jul 24, 2023 |
| Instrument | 2023000634 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 645 FORT LAMAR RD, COMMERCE, GA 30530-7227 |
The 2025 property tax bill for 645 Fort Lamar Rd was $2,901 with a homeowner's exemption, down 4.4% from the year before.
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 | $2,901.00 (-4.35%) Homeowner's exemption | $162,393 (+5.48%) Land $16,035 Building $146,358 | $405,982 (+5.48%) Land $40,087 Building $365,895 |
| 2024 | $3,033.00 | $153,958 Land $14,577 Building $139,381 | $384,895 Land $36,443 Building $348,452 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Fort Lamar Rd in Zone X, an area of minimal flood risk.
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 risk around 645 Fort Lamar Rd is moderate, ranking above 40% of the US, with a 0.06% 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 | 0.06% 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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| Windstream DSL | 25 / 3 |
4G LTE only, no 5G reported
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