1092 Ridgeway Rd, Commerce, GA 30529 Property Records

Jackson County property record for 1092 Ridgeway Rd, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 2005
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$317,500 (Aug 2026)
Tax Bill	$2,936 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`020B 010`

Property Details

APN / Parcel Number

Primary APN	`020B 010`
Alternative APN	`22371`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Heated Area
1st Floor Area	1,620 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	175 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	441 sqft

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Patio Area	132 sqft
Utility Building	14 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22371
Street Address	1092 RIDGEWAY RD
City	COMMERCE
State	GA
Zip	30529-1330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 10 BRENTWOOD ESTATES PHASE 4
Legal Subdivision	BRENTWOOD IV
Legal Phase	4
Legal Lot Number	10
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	4
Census Block	4056
Census Tract	10300

Owner

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

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	1092 RIDGEWAY RD, COMMERCE, GA 30529-1330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Limited Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Jun 17, 2022	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND
Jun 17, 2022	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED CU
Sep 19, 2017	Grant Deed, Transfer OTHER
Jun 20, 2017	Deed of Trust, Mortgage · FHA Mortgage HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2026 · Amount on Record
Deed Sale	Aug 6, 2026 · Amount on Record
Prior Sale	Jun 22, 2022 · Amount on Record
Deed Book / Page	121K / 428
Record Updated	Oct 29, 2026

August 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Aug 6, 2026
Property Address	1092 RIDGEWAY RD, COMMERCE, GA 30529-1330
Document Number	0121000428
Book / Page	121K / 428
Instrument Date	Aug 4, 2026
Transaction Type	Transfer
Record Updated	Sep 8, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1092 RIDGEWAY RD, COMMERCE, GA 30529-1330

Mortgage

Document Number	0121000430,
Date	Aug 6, 2026
Book Page	121K/430

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Jun 17, 2022
Property Address	1092 RIDGEWAY RD, COMMERCE, GA 30529-1330
Document Number	00102W0205
Book / Page	102W / 205
Instrument Date	Jun 17, 2022
Instrument	2022-002945
Transaction Type	Transfer
Record Updated	Nov 30, 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	1092 RIDGEWAY RD, COMMERCE, GA 30529-1330

Mortgage

Document Number	00102W0000000207
Date	Jun 22, 2022
Book Page	000000102W/0000000207

Lender

Name	BANK OF ENGLAND

Agreement

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

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Jun 17, 2022
Property Address	1092 RIDGEWAY RD, COMMERCE, GA 30529-1330
Document Number	00102W0205
Book / Page	102W / 205
Instrument Date	Jun 17, 2022
Instrument	2022-002945
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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	1092 RIDGEWAY RD, COMMERCE, GA 30529-1330

Mortgage

Document Number	000102W207
Date	Jun 17, 2022
Instrument	102W/207

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	1092 RIDGEWAY RD, COMMERCE, GA 30529-1330
Document Number	00089K0614
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1092 RIDGEWAY RD COMMERCE GA 305291330, COMMERCE, GA 30529-1330

Mortgage

Document Number	00089K0614
Date	May 14, 2020
Book Page	00089K/000614

Lender

Name	ASSOCIATED CU
Type	Credit Union
Address	PEACHTREE CORNERS, GA 30092-3107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 13, 2035

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Sep 19, 2017
Property Address	1092 RIDGEWAY RD, COMMERCE, GA 30529-1330
Document Number	00078J0168
Book / Page	00078J / 000168
Instrument Date	Sep 18, 2017
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$135.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	1092 RIDGEWAY RD, COMMERCE, GA 30529-1330
Document Number	00080T0092
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	May 25, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1092 RIDGEWAY RD COMMERCE GA 305291330, COMMERCE, GA 30529-1330

Mortgage

Document Number	00080T0092
Date	May 15, 2018
Book Page	00080T/000092

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

Tax Assessment & Valuation

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		$109,960 (-) Land $16,000 Building $93,960	$274,900 (-) Land $40,000 Building $234,900
2025	$2,936.00 (-3.26%)	$109,960 (-) Land $16,000 Building $93,960	$274,900 (-) Land $40,000 Building $234,900
2024	$3,035.00 (+4.01%)	$109,960 (+11.57%) Land $16,000 Building $93,960	$274,900 (+11.57%) Land $40,000 Building $234,900
2023	$2,918.00 (+46.63%) Homeowner's exemption	$98,560 (+58.76%) Land $16,000 Building $82,560	$246,400 (+58.76%) Land $40,000 Building $206,400
2022	$1,990.00 Homeowner's exemption	$62,080 Land $10,800 Building $51,280	$155,200 Land $27,000 Building $128,200

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 March 14, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.02% 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Windstream DSL · Cable in parts of the area	100 / 20

May also be available: T-Mobile.

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