108 Bowden St, Commerce, GA 30529 Property Records

Jackson County property record for 108 Bowden St, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,312 sqft · built 1952
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Tax Bill	$3,752 (2025)
Deeds & Mortgages	Dec 2023 Sale May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C04 004`

Property Details

APN / Parcel Number

Primary APN	`C04 004`
Alternative APN	`8372`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,312 sqft Heated Area
1st Floor Area	1,904 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2021
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	209 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	403 sqft
Porch	Patio
Porch Area	175 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8372
Street Address	108 BOWDEN ST
City	COMMERCE
State	GA
Zip	30529-2401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 11 BOWDEN SUBD PLAT BK 6 PG 71
Legal Subdivision	BOWDEN SUBD
Legal Block	6
Legal Lot Number	11
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	4
Census Block	4008
Census Tract	10400

Owner

108 Bowden St is owned and occupied by an individual who acquired it in March 2025.

Source: Jackson County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	108 BOWDEN ST, COMMERCE, GA 30529-2401
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
Dec 4, 2023	Warranty Deed, Transfer
May 9, 2022	Warranty Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS
Jul 30, 2020	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Apr 9, 2018	Quit Claim Deed, Mortgage · VA Mortgage HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2025
Deed Sale	Mar 21, 2025
Prior Sale	Dec 4, 2023 · Amount on File
Deed Book / Page	114T / 453
Prior Transfer Date	Mar 14, 2025
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Dec 4, 2023
Property Address	108 BOWDEN ST, COMMERCE, GA 30529-2401
Document Number	00109B0684
Book / Page	109B / 684
Instrument Date	Dec 2, 2023
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BOWDEN ST, COMMERCE, GA 30529-2401

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	May 9, 2022
Property Address	108 BOWDEN ST, COMMERCE, GA 30529-2401
Document Number	00102L0665
Book / Page	102L / 665
Instrument Date	May 9, 2022
Instrument	2022-002444
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount on Record
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	108 BOWDEN ST, COMMERCE, GA 30529-2401

Mortgage

Document Number	00102L0000000667
Date	May 20, 2022
Book Page	000000102L/0000000667

Lender

Name	EMBRACE HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Jul 30, 2020
Property Address	108 BOWDEN ST, COMMERCE, GA 30529-2401
Document Number	00090S0253
Book / Page	00090S / 000253
Instrument Date	Jul 27, 2020
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BOWDEN ST COMMERCE GA 305292401, COMMERCE, GA 30529-2401

Mortgage

Document Number	90S0255
Date	Jul 30, 2020
Book Page	00090S/000255

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2050

April 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	JACKSON GA
Recording Date	Apr 9, 2018
Property Address	108 BOWDEN ST, COMMERCE, GA 30529-2401
Document Number	00080H0797
Book / Page	00080H / 000797
Instrument Date	Mar 30, 2018
Transaction Type	Mortgage
Record Updated	Apr 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BOWDEN ST COMMERCE GA 305292401, COMMERCE, GA 30529-2401

Mortgage

Document Number	80H0799
Date	Apr 9, 2018
Book Page	00080H/000799

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 108 Bowden St was $3,752 with a homeowner's exemption, up 9.2% 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		$183,400 (-) Land $25,680 Building $157,720	$458,500 (-) Land $64,200 Building $394,300
2025	$3,752.00 (+9.16%) Homeowner's exemption	$183,400 (+46.53%) Land $25,680 Building $157,720	$458,500 (+46.53%) Land $64,200 Building $394,300
2024	$3,437.00 (+17.22%) Homeowner's exemption	$125,160 (+26.37%) Land $15,400 Building $109,760	$312,900 (+26.37%) Land $38,500 Building $274,400
2023	$2,932.00 (-2.82%) Homeowner's exemption	$99,040 (+26.13%) Land $15,400 Building $83,640	$247,600 (+26.13%) Land $38,500 Building $209,100
2022	$3,017.00 Homeowner's exemption	$78,520 Land $11,560 Building $66,960	$196,300 Land $28,900 Building $167,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 108 Bowden St 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 108 Bowden St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 89% of Georgia
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Windstream Cable · DSL · Fiber in parts of the area	1,000 / 25
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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