1041 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 1041 Oconee Ln, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,509 sqft · built 2019
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$304,000 (Nov 2019)
Tax Bill	$5,101 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`035A 019`

Property Details

APN / Parcel Number

Primary APN	`035A 019`
Alternative APN	`34572`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,509 sqft Heated Area
1st Floor Area	2,269 sqft
Basement Area	2,047 sqft
Unfinished Basement	2,047 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Slab
Porch Area	326 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	34572
Street Address	1041 OCONEE LN
City	COMMERCE
State	GA
Zip	30529-4107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 19 OCONEE POINTE SUBD PH II
Legal Subdivision	OCONEE POINTE PHASE II
Legal Phase	2
Legal Lot Number	19
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1130
Census Tract	10300

Owner

1041 Oconee Ln is owned and occupied by two individuals who bought it in November 2019.

Source: Jackson County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1041 OCONEE LN, COMMERCE, GA 30529-4107
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE
Nov 18, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOMESTAR FIN'L
Nov 18, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 29, 2019	Loan Modification, Mortgage · Conventional with PMI ENTEGRA BK
Apr 8, 2019	Grant Deed, Construction Loan · Line of Credit ENTEGRA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2019 · Amount on File
Deed Sale	Nov 14, 2019 · Amount on File
Prior Sale	Mar 27, 2019 · Amount on File
Deed Document Number	20194243
Deed Book / Page	86Y / 286
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	1041 OCONEE LN, COMMERCE, GA 30529-4107
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1041 OCONEE LN, COMMERCE, GA 30529-4107
Investor	Possibly a Property Investor

Mortgage

Document Number	00094K0000000001
Date	Feb 26, 2021
Book Page	000000094K/0000000001

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2041

November 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Nov 18, 2019
Property Address	1041 OCONEE LN, COMMERCE, GA 30529-4107
Document Number	00086Y0286
Book / Page	00086Y / 000286
Instrument Date	Nov 14, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$304.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1041 OCONEE LN COMMERCE GA 305294107, COMMERCE, GA 30529-4107

Mortgage

Document Number	86Y0287
Date	Nov 18, 2019
Book Page	00086Y/000287

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2049

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON GA
Recording Date	Nov 18, 2019
Property Address	1041 OCONEE LN, COMMERCE, GA 30529-4107
Document Number	00086Y0303
Book / Page	00086Y / 000303
Instrument Date	Nov 14, 2019
Transaction Type	Transfer
Record Updated	Dec 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1041 OCONEE LN COMMERCE GA 305294107, COMMERCE, GA 30529-4107

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON GA
Property Address	1041 OCONEE LN, COMMERCE, GA 30529-4107
Document Number	00085M0784
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1031 APALACHEE DOWNS DR BOGART GA 306222679, BOGART, GA 30622-2679
Investor	Possibly a Property Investor

Mortgage

Document Number	00085M0784
Date	Aug 1, 2019
Book Page	00085M/000784

Lender

Name	ENTEGRA BK
Address	FRANKLIN, NC 28734

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	12 Months
Due	Jul 31, 2020

April 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Apr 8, 2019
Property Address	1041 OCONEE LN, COMMERCE, GA 30529-4107
Document Number	00084B0694
Book / Page	00084B / 000694
Instrument Date	Mar 26, 2019
Transaction Type	Construction Loan
Record Updated	May 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$66.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1041 OCONEE LN COMMERCE GA 305294107, COMMERCE, GA 30529-4107

Mortgage

Document Number	84B0695
Date	Apr 8, 2019
Book Page	00084B/000695

Lender

Name	ENTEGRA BK
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 7, 2020

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	84A0474,
Date	Apr 8, 2019
Book Page	00084A/000474

Lender

Name	ENTEGRA BK
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 7, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1041 Oconee Ln was $5,101, down 3.3% from the year before.

Source: Jackson County assessment roll, as of February 23, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Jackson County
Municipality	Commerce City
Unified School District	Commerce City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$191,040 (-) Land $20,000 Building $171,040	$477,600 (-) Land $50,000 Building $427,600
2025	$5,101.00 (-3.26%)	$191,040 (-) Land $20,000 Building $171,040	$477,600 (-) Land $50,000 Building $427,600
2024	$5,273.00 (+4.54%)	$191,040 (+12.14%) Land $20,000 Building $171,040	$477,600 (+12.14%) Land $50,000 Building $427,600
2023	$5,044.00 (+12.61%)	$170,360 (+23.31%) Land $20,000 Building $150,360	$425,900 (+23.31%) Land $50,000 Building $375,900
2022	$4,479.00	$138,160 Land $20,000 Building $118,160	$345,400 Land $50,000 Building $295,400

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

FEMA maps place 1041 Oconee Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 14, 2018

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

Wildfire risk around 1041 Oconee Ln is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COMMERCE serves 11,340 people · EPA ID GA1570001
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000

Cell Coverage

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

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