680 Wrights Mill Rd, Commerce, GA 30530 Property Records

Banks County property record for 680 Wrights Mill Rd, Commerce, GA 30530

Property Summary

Property Type	Rural Home
Details	2 bd · 3 ba · 2,450 sqft · built 1997
Lot Size	8.62 acres (375,487 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Jun 2025)
Tax Bill	$3,671 (2025)
Deeds & Mortgages	Jun 2006 Mortgage Jun 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B78 051`

Property Details

APN / Parcel Number

Primary APN	`B78 051`
Alternative APN	`6120`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,450 sqft Heated Area
1st Floor Area	1,750 sqft
Attic	Attic
Attic Area	700 sqft
Basement Area	578 sqft
Finished Basement	578 sqft
Unfinished Basement	1,750 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Stone
Roof Type	Gable
Roof Material	Metal
Lot Area	375,487 sqft (8.62 acres)
Porch	Slab
Porch Area	1,164 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	6120
Street Address	680 WRIGHTS MILL RD
City	COMMERCE
State	GA
Zip	30530-6878
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	ARR
Legal Description	TRCTS 1-2 PB 20-161
Legal Subdivision	00200-I-85 AREA 6000
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	2
Census Block	2045
Census Tract	970400

Owner

Source: Banks County records · APN B78 051

Assessment roll updated November 14, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	680 WRIGHTS MILL RD, COMMERCE, GA 30530-6878
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 05, 2006	Deed of Trust, Mortgage · Conventional Mortgage BSM FINANCIAL
Jun 20, 2025	Warranty Deed, Transfer · FHA Mortgage NEWREZ
Aug 08, 2024	Quit Claim Deed, Transfer Quitclaim
Feb 17, 2011	Gift Deed, Transfer · Conventional Mortgage UNITED COMMUNITY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 20, 2025 · Amount on Record
Deed Sale	Jun 20, 2025 · Amount on Record
Prior Sale	Oct 04, 2005 · Amount on Record
Deed Book / Page	580 / 233
Prior Transfer Date	Aug 07, 2024
Prior Transfer Doc	000564/479
Record Updated	Sep 20, 2026

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	680 WRIGHTS MILL RD, COMMERCE, GA 30530-6878
Transaction Type	Mortgage
Record Updated	Mar 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000282/532
Date	Jun 05, 2006
Book Page	282/532

Lender

Name	BSM FINANCIAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2036

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Jun 20, 2025
Property Address	680 WRIGHTS MILL RD, COMMERCE, GA 30530-6878
Document Number	000580/233
Book / Page	580 / 233
Instrument Date	Jun 20, 2025
Transaction Type	Transfer
Record Updated	Mar 09, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3.99
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 WRIGHTS MILL RD, COMMERCE, GA 30530-6878

Mortgage

Document Number	0000580337
Date	Jun 20, 2025
Instrument	580/337

Lender

Name	NEWREZ

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 01, 2055

August 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BANKS GA
Recording Date	Aug 08, 2024
Property Address	680 WRIGHTS MILL RD, COMMERCE, GA 30530-6878
Document Number	000564/479
Book / Page	564 / 479
Instrument Date	Aug 07, 2024
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 WRIGHTS MILL RD, COMMERCE, GA 30530-6878

February 2011: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	BANKS GA
Recording Date	Feb 17, 2011
Property Address	680 WRIGHTS MILL RD, COMMERCE, GA 30530-6878
Document Number	000360/489
Book / Page	360 / 489
Instrument Date	Jan 12, 2011
Instrument	006-2011-000109
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	680 WRIGHTS MILL RD, COMMERCE, GA 30530-6878

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 WRIGHTS MILL RD, COMMERCE, GA 30530-6878

Mortgage

Document Number	000360/490
Date	Feb 17, 2011
Book Page	360/490

Lender

Name	UNITED COMMUNITY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 01, 2026

Tax Assessment & Valuation

Source: Banks County records · Assessment roll updated November 14, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Banks County
Unified School District	Banks County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,671.00 (+53.41%)	$192,288 (+23.6%) Land $49,702 Building $142,586	$480,719 (+23.6%) Land $124,254 Building $356,465
2024	$2,393.00 (+45.74%) Homeowner's exemption	$155,570 (+22.48%) Land $45,184 Building $110,386	$388,923 (+22.48%) Land $112,959 Building $275,964
2023	$1,642.00 (-12.05%) Homeowner's exemption	$127,017 (+9.24%) Land $37,514 Building $89,503	$317,543 (+9.24%) Land $93,786 Building $223,757
2022	$1,867.00 Homeowner's exemption	$116,269 Land $36,249 Building $80,020	$290,672 Land $90,623 Building $200,049

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 17, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 62% of the US · lower than 82% of Georgia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Based on FCC filings for 8 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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