998 Lord Rd, Commerce, GA 30530 Property Records

Banks County property record for 998 Lord Rd, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,456 sqft · built 2007
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (May 2021)
Tax Bill	$2,770 (2025)
Deeds & Mortgages	Jul 2019 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B67 043D`

Property Details

APN / Parcel Number

Primary APN	`B67 043D`
Alternative APN	`9140`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,456 sqft Heated Area
1st Floor Area	1,706 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	534 sqft
Porch	Slab
Porch Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	9140
Street Address	998 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 LT 4 PB G-6
Legal Subdivision	OLD WAVERLY PLANTATION - 00116
Legal Lot Number	4
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	Individual Name on Record
Mailing Address	998 LORD RD, COMMERCE, GA 30530-6957
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
May 6, 2021	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2021 · Amount on Record
Deed Sale	May 6, 2021 · Amount on Record
Prior Sale	Dec 9, 2009 · Amount on Record
Deed Document Number	2021452
Deed Book / Page	504 / 170
Prior Transfer Date	Jul 17, 2009
Prior Transfer Doc	000343/128
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	998 LORD RD, COMMERCE, GA 30530-6957
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	998 LORD RD, COMMERCE, GA 30530-6957

Mortgage

Document Number	0000000468/0000000349
Date	Jul 26, 2019
Book Page	0000000468/0000000349

Lender

Name	JP MORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	May 6, 2021
Property Address	998 LORD RD, COMMERCE, GA 30530-6957
Document Number	000504/170
Book / Page	504 / 170
Instrument Date	May 6, 2021
Instrument	2021-000452
Transaction Type	Transfer
Record Updated	Aug 2, 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	998 LORD RD, COMMERCE, GA 30530-6957
Investor	Possibly a Property Investor

Mortgage

Document Number	0000504172
Date	May 6, 2021
Instrument	504/172

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2051

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	$2,770.00 (-3.15%) Homeowner's exemption	$153,889 (+4.55%) Land $9,460 Building $144,429	$384,723 (+4.55%) Land $23,650 Building $361,073
2024	$2,860.00 (+22.69%) Homeowner's exemption	$147,189 (+9.4%) Land $8,600 Building $138,589	$367,973 (+9.4%) Land $21,500 Building $346,473
2023	$2,331.00 (-2.96%) Homeowner's exemption	$134,547 (+15.63%) Land $14,000 Building $120,547	$336,367 (+15.63%) Land $35,000 Building $301,367
2022	$2,402.00 Homeowner's exemption	$116,355 Land $14,000 Building $102,355	$290,888 Land $35,000 Building $255,888

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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