903 Duncan Rd, Commerce, GA 30530 Property Records

Banks County property record for 903 Duncan Rd, Commerce, GA 30530

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,240 sqft · built 2004
Lot Size	5.18 acres (225,641 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Jun 2023)
Tax Bill	$3,404 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`B79 031`

Property Details

APN / Parcel Number

Primary APN	`B79 031`
Alternative APN	`8003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,240 sqft Heated Area
1st Floor Area	2,240 sqft
Basement Area	2,240 sqft
Finished Basement	2,240 sqft
Unfinished Basement	2,240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	225,641 sqft (5.18 acres)
Garage Area	506 sqft

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	120 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	8003
Street Address	ENDURANCE DR
City	COMMERCE
State	GA
Zip	30530
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	ARR
Legal Description	PB 28-54 TR 2
Legal Subdivision	00100-LOWER END 6500
Legal Tract	2
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	1
Census Block	1001
Census Tract	970400

Owner

Source: Banks County records, as of November 14, 2025

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 Record
Mailing Address	903 DUNCAN RD, COMMERCE, GA 30530-7080
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Limited Warranty Deed, Transfer · Conventional Mortgage NFM
Mar 31, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2023 · Amount on Record
Deed Sale	Jun 6, 2023 · Amount on Record
Deed Document Number	2023432
Deed Book / Page	545 / 182
Prior Transfer Date	Mar 31, 2021
Prior Transfer Doc	000507/421
Record Updated	Jun 8, 2026

May 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	May 30, 2023
Property Address	ENDURANCE DR, COMMERCE, GA 30530
Document Number	000545/182
Book / Page	545 / 182
Instrument Date	May 30, 2023
Instrument	2023-000432
Transaction Type	Transfer
Record Updated	Nov 14, 2025

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	903 DUNCAN RD, COMMERCE, GA 30530-7080

Mortgage

Document Number	0000545186
Date	May 30, 2023
Instrument	545/186

Lender

Name	NFM

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2053

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Mar 31, 2021
Property Address	ENDURANCE DR, COMMERCE, GA 30530
Document Number	000507/421
Book / Page	507 / 421
Instrument Date	Mar 31, 2021
Instrument	2021-000664
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 DUNCAN RD, COMMERCE, GA 30530-7080

Tax Assessment & Valuation

Source: Banks County assessment roll, as of November 14, 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	$3,404.00 (-2.94%) Homeowner's exemption	$203,913 (+4.46%) Land $41,530 Building $162,383	$509,781 (+4.46%) Land $103,824 Building $405,957
2024	$3,507.00 (-2.64%) Homeowner's exemption	$195,207 (+13.85%) Land $37,755 Building $157,452	$488,016 (+13.85%) Land $94,387 Building $393,629
2023	$3,602.00 (+33.06%)	$171,459 (+33.06%) Land $35,078 Building $136,381	$428,648 (+33.06%) Land $87,696 Building $340,952
2022	$2,707.00	$128,859 Land $25,348 Building $103,511	$322,148 Land $63,370 Building $258,778

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	0.07% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	10 / 1

Cell Coverage

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

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