746 Wrights Mill Rd, Commerce, GA 30530 Property Records

Banks County property record for 746 Wrights Mill Rd, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,585 sqft · built 1993
Lot Size	1.36 acres (59,242 sqft)
Owner	Individual Name on Record
Tax Bill	$1,771 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B78 050A`

Property Details

APN / Parcel Number

Primary APN	`B78 050A`
Alternative APN	`8879`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,585 sqft Heated Area
1st Floor Area	1,585 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2010
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	59,242 sqft (1.36 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	200 sqft
Deck Area	96 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	8879
Street Address	746 WRIGHTS MILL RD
City	COMMERCE
State	GA
Zip	30530-6879
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	PB 16-52
Legal Subdivision	KERRI ELAINE THURMOND
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	2
Census Block	2045
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
Mailing Address	746 WRIGHTS MILL RD, COMMERCE, GA 30530-6879
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL
Oct 5, 2021	Warranty Deed, Transfer
Feb 27, 2017	Warranty Deed, Transfer · FHA Mortgage OPEN MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2021
Deed Sale	Oct 5, 2021
Prior Sale	Feb 27, 2017 · Amount on Record
Deed Document Number	0000515264
Deed Book / Page	515 / 264
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	746 WRIGHTS MILL RD, COMMERCE, GA 30530-6879
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	746 WRIGHTS MILL RD, COMMERCE, GA 30530-6879

Mortgage

Document Number	0000000523/0000000105
Date	Feb 10, 2022
Book Page	0000000523/0000000105

Lender

Name	EVERETT FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Oct 5, 2021
Property Address	746 WRIGHTS MILL RD, COMMERCE, GA 30530-6879
Document Number	000515/264
Book / Page	515 / 264
Instrument Date	Oct 5, 2021
Instrument	2021-001102
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	746 WRIGHTS MILL RD, COMMERCE, GA 30530-6879

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Feb 27, 2017
Property Address	746 WRIGHTS MILL RD, COMMERCE, GA 30530-6879
Document Number	000435/736
Book / Page	435 / 736
Instrument Date	Feb 27, 2017
Instrument	2017-000185
Transaction Type	Transfer
Record Updated	Aug 2, 2022

Transaction

Amount	Amount Recorded
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	746 WRIGHTS MILL RD, COMMERCE, GA 30530-6879

Mortgage

Document Number	000435/738
Date	Mar 9, 2017
Book Page	435/738

Lender

Name	OPEN MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

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	$1,771.00 (+1.66%)	$92,776 (+4.92%) Land $12,518 Building $80,258	$231,940 (+4.92%) Land $31,296 Building $200,644
2024	$1,742.00 (+16.21%)	$88,427 (+20.03%) Land $11,380 Building $77,047	$221,069 (+20.03%) Land $28,451 Building $192,618
2023	$1,499.00 (+10.71%)	$73,671 (+14.31%) Land $9,195 Building $64,476	$184,178 (+14.31%) Land $22,988 Building $161,190
2022	$1,354.00	$64,446 Land $8,959 Building $55,487	$161,115 Land $22,397 Building $138,718

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	0.08% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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