980 Lord Rd, Commerce, GA 30530 Property Records

Banks County property record for 980 Lord Rd, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,864 sqft · built 2014
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,000 (Mar 2021)
Tax Bill	$2,841 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B67 043E`

Property Details

APN / Parcel Number

Primary APN	`B67 043E`
Alternative APN	`9141`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,864 sqft Heated Area
1st Floor Area	1,864 sqft
Basement Area	1,822 sqft
Finished Basement	1,822 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	452 sqft

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	168 sqft
Patio Area	168 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	9141
Street Address	980 LORD RD
City	COMMERCE
State	GA
Zip	30530-6957
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	OLD WAVERLY PH 1 LT 5 PB G-6
Legal Subdivision	OLD WAVERLY PLANTATION - 00116
Legal Phase	1
Legal Lot Number	5
Jurisdiction	BANKS GA
Township / Civil Division	SOUTHEAST BANKS
Census Block Group	1
Census Block	1038
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	980 LORD RD, COMMERCE, GA 30530-6957
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Warranty Deed, Transfer · Conventional Mortgage SOUTHEAST MORTGAGE
May 8, 2017	Warranty Deed, Transfer · Conventional Mortgage MAGNOLIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2021 · Amount on Record
Deed Sale	Mar 23, 2021 · Amount on Record
Prior Sale	Jun 11, 2015 · Amount on Record
Deed Document Number	2021299
Deed Book / Page	501 / 51
Prior Transfer Date	May 8, 2017
Prior Transfer Doc	000438/205
Record Updated	Sep 20, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Mar 23, 2021
Property Address	980 LORD RD, COMMERCE, GA 30530-6957
Document Number	0000501/51
Book / Page	501 / 51
Instrument Date	Mar 23, 2021
Instrument	2021-000299
Transaction Type	Transfer
Record Updated	Jan 31, 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	980 LORD RD, COMMERCE, GA 30530-6957

Mortgage

Document Number	0000000501/0000000059
Date	Mar 31, 2021
Book Page	0000000501/0000000059

Lender

Name	SOUTHEAST MORTGAGE

Agreement

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

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	May 8, 2017
Property Address	980 LORD RD, COMMERCE, GA 30530-6957
Document Number	000438/203
Book / Page	438 / 203
Instrument Date	May 8, 2017
Instrument	2017-000352
Transaction Type	Transfer
Record Updated	Nov 19, 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	980 LORD RD, COMMERCE, GA 30530-6957

Mortgage

Document Number	438/205
Date	May 11, 2017
Book Page	438/205

Lender

Name	MAGNOLIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

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	$2,841.00 (-3.14%) Homeowner's exemption	$157,339 (+4.27%) Land $9,460 Building $147,879	$393,348 (+4.27%) Land $23,650 Building $369,698
2024	$2,933.00 (-0.64%) Homeowner's exemption	$150,889 (+5.88%) Land $8,600 Building $142,289	$377,222 (+5.88%) Land $21,500 Building $355,722
2023	$2,952.00 (+17.14%) Homeowner's exemption	$142,507 Land $14,000 Building $128,507	$356,267 Land $35,000 Building $321,267
2022	$2,520.00

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 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	50 / 3

May also be available: AT&T, T-Mobile, Verizon, Xfinity.

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