915 Duncan Rd, Commerce, GA 30530 Property Records

Banks County property record for 915 Duncan Rd, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,055 sqft · built 2022
Lot Size	15 acres (653,400 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Sep 2019)
Tax Bill	$3,033 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B85 001A`

Property Details

APN / Parcel Number

Primary APN	`B85 001A`
Alternative APN	`7747`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,055 sqft Heated Area
1st Floor Area	1,474 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	653,400 sqft (15 acres)
Garage Type	Mixed
Garage Area	734 sqft
Driveway	Concrete Driveway
Driveway Area	1,000 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	7747
Street Address	915 DUNCAN RD
City	COMMERCE
State	GA
Zip	30530-7080
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	PB 27-70
Legal Subdivision	00100-LOWER END 6500
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	915 DUNCAN RD, COMMERCE, GA 30530-7080
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK
Sep 13, 2019	Limited Warranty Deed, Transfer · Commercial Mortgage BANK OZK
Dec 3, 2018	Warranty Deed, Transfer
Apr 27, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2019 · Amount on Record
Deed Sale	Sep 13, 2019 · Amount on Record
Deed Document Number	2019706
Deed Book / Page	471 / 626
Prior Transfer Date	Dec 3, 2018
Prior Transfer Doc	000460/226
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	915 DUNCAN RD, COMMERCE, GA 30530-7080
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	DUNCAN RD

Mortgage

Document Number	0000000505/0000000840
Date	Jun 7, 2021
Book Page	0000000505/0000000840

Lender

Name	SOUTH STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

September 2019: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Sep 13, 2019
Property Address	915 DUNCAN RD, COMMERCE, GA 30530-7080
Document Number	000471/626
Book / Page	471 / 626
Instrument Date	Sep 13, 2019
Instrument	2019-000706
Transaction Type	Transfer
Record Updated	Apr 2, 2024

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	143 FREEMAN DR, MAYSVILLE, GA 30558-1866

Mortgage

Document Number	0000000471/0000000627
Date	Sep 17, 2019
Book Page	0000000471/0000000627

Lender

Name	BANK OZK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2039

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Dec 3, 2018
Property Address	915 DUNCAN RD, COMMERCE, GA 30530-7080
Document Number	000460/226
Book / Page	460 / 226
Instrument Date	Dec 3, 2018
Instrument	2018-000929
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 KENNETTE DR, GRAHAM, NC 27253-8214

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Apr 27, 2018
Property Address	915 DUNCAN RD, COMMERCE, GA 30530-7080
Document Number	000457/182
Book / Page	457 / 182
Instrument Date	Apr 27, 2018
Instrument	2018-000748
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 KENNETTE DR, GRAHAM, NC 27253-8214

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	$3,033.00 (-3.07%) Homeowner's exemption	$240,903 (+6.92%) Land $88,191 Building $152,712	$602,257 (+6.92%) Land $220,478 Building $381,779
2024	$3,129.00 (+1.16%) Homeowner's exemption	$225,316 (+9.43%) Land $80,174 Building $145,142	$563,288 (+9.43%) Land $200,434 Building $362,854
2023	$3,093.00 (+179.15%) Additional exemption filed	$205,893 (+290.34%) Land $67,800 Building $138,093	$514,733 (+290.34%) Land $169,500 Building $345,233
2022	$1,108.00	$52,747 Land $52,747	$131,868 Land $131,868

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

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

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 2 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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