870 Hwy 63, Commerce, GA 30530 Property Records

Banks County property record for 870 Hwy 63, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,290 sqft · built 2020
Lot Size	12.7 acres (557,132 sqft)
Owner	Individual Name on Record
Last Sale	$70,100 (Jul 2018)
Tax Bill	$2,787 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B77 011`

Property Details

APN / Parcel Number

Primary APN	`B77 011`
Alternative APN	`4259`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,290 sqft Heated Area
1st Floor Area	1,290 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Metal
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	557,132 sqft (12.7 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	4259
Street Address	870 HIGHWAY 63
City	COMMERCE
State	GA
Zip	30530-6504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	PB9-140
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	2
Census Block	2026
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	870 HIGHWAY 63, COMMERCE, GA 30530-6504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2019	Deed of Trust, Mortgage · Commercial Mortgage PIEDMONT BANK
Jul 31, 2018	Warranty Deed, Transfer SYNOVUS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2018 · Amount on Record
Deed Sale	Jul 31, 2018 · Amount on Record
Deed Document Number	0000045598
Deed Book / Page	455 / 98
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	870 HIGHWAY 63, COMMERCE, GA 30530-6504
Transaction Type	Mortgage
Record Updated	Mar 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	HIGHWAY 63
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000473/0000000030
Date	Oct 22, 2019
Book Page	0000000473/0000000030

Lender

Name	PIEDMONT BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2020

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Jul 31, 2018
Property Address	870 HIGHWAY 63, COMMERCE, GA 30530-6504
Document Number	0000455/98
Book / Page	455 / 98
Instrument Date	Jul 31, 2018
Instrument	2018-000546
Transaction Type	Transfer
Record Updated	Mar 30, 2023

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	1042 WILDWOOD WAKE BND, DACULA, GA 30019-3144
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000455/0000000099
Date	Aug 20, 2018
Book Page	0000000455/0000000099

Lender

Name	SYNOVUS BANK

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2023

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	$2,787.00 (-0.61%) Homeowner's exemption	$152,868 (+5.92%) Land $66,546 Building $86,322	$382,172 (+5.92%) Land $166,366 Building $215,806
2024	$2,804.00 (+26.25%) Homeowner's exemption	$144,325 (+11.76%) Land $60,497 Building $83,828	$360,813 (+11.76%) Land $151,242 Building $209,571
2023	$2,221.00 (-1.64%) Homeowner's exemption	$129,139 (+17.93%) Land $51,160 Building $77,979	$322,848 (+17.93%) Land $127,900 Building $194,948
2022	$2,258.00 Homeowner's exemption	$109,505 Land $40,064 Building $69,441	$273,763 Land $100,161 Building $173,602

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 44% of the US · above 42% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 63

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