Banks County property record for 976 Lord Rd, Commerce, GA 30530 · Last verified November 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,097 sqft · built 2008 |
| Lot Size | 1.16 acres (50,530 sqft) |
| Owner | Individual Name on File |
| Last Sale | $212,304 (Jan 2009) |
| Tax Bill | $2,330 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B67 043F |
| Primary APN | B67 043F |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,097 sqft Heated Area |
| 1st Floor Area | 1,818 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 50,530 sqft (1.16 acres) |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 200 sqft |
| Patio Area | 225 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9142 |
|---|---|
| Street Address | 976 LORD RD |
| City | COMMERCE |
| State | GA |
| Zip | 30530-6957 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD WAVERLY LT 6 PB G-6 |
| Legal Subdivision | OLD WAVERLY PLANTATION - 00116 |
| Legal Lot Number | 6 |
| Jurisdiction | BANKS GA |
| Township / Civil Division | SOUTHEAST BANKS |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 970400 |
Source: Banks County records · APN B67 043F
Assessment roll updated July 1, 2025 · Last verified November 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 976 LORD RD, COMMERCE, GA 30530-6957 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 21, 2009 · Amount on Record |
| Deed Sale | Jan 21, 2009 · Amount on Record |
| Deed Document Number | 006-2009-000027 |
| Deed Book / Page | 335 / 169 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 976 LORD RD, COMMERCE, GA 30530-6957 |
| Transaction Type | Mortgage |
| Record Updated | Apr 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 976 LORD RD, COMMERCE, GA 30530-6957 |
| Document Number | 0000000499/0000000229 |
|---|---|
| Date | Mar 05, 2021 |
| Book Page | 0000000499/0000000229 |
| Name | CARDINAL FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 01, 2036 |
Source: Banks County records · Assessment roll updated July 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Banks County |
| Unified School District | Banks County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,330.00 (-3.12%) Homeowner's exemption Senior Citizen's exemption | $148,700 (+4.65%) Land $10,842 Building $137,858 | $371,751 (+4.65%) Land $27,105 Building $344,646 |
| 2024 | $2,405.00 (+24.03%) Homeowner's exemption Senior Citizen's exemption | $142,092 (+6.62%) Land $9,856 Building $132,236 | $355,232 (+6.62%) Land $24,641 Building $330,591 |
| 2023 | $1,939.00 (-3.1%) Homeowner's exemption Senior Citizen's exemption | $133,275 (+15.62%) Land $14,403 Building $118,872 | $333,187 (+15.62%) Land $36,008 Building $297,179 |
| 2022 | $2,001.00 Homeowner's exemption Senior Citizen's exemption | $115,269 Land $14,403 Building $100,866 | $288,172 Land $36,008 Building $252,164 |
Source: FEMA National Flood Hazard Layer, Banks County (13011C), updated December 17, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Moderate above 40% of the US · above 26% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 1,667 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 25 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Uniti Group | DSL | 50 / 3 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, AT&T, T-Mobile USA, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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