1176 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 1176 Oconee Ln, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,404 sqft · built 2018
Lot Size	1.32 acres (57,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (May 2021)
Tax Bill	$4,616 (2025)
Deeds & Mortgages	May 2018 Mortgage May 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`035A 026`

Property Details

APN / Parcel Number

Primary APN	`035A 026`
Alternative APN	`34579`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,404 sqft Heated Area
1st Floor Area	2,102 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	57,499 sqft (1.32 acres)
Garage Type	Attached
Garage Area	446 sqft
Porch	Slab
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	34579
Street Address	1176 OCONEE LN
City	COMMERCE
State	GA
Zip	30529-4197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 26 OCONEE POINTE SUBD PH II
Legal Subdivision	OCONEE POINTE PHASE II
Legal Phase	2
Legal Lot Number	26
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1130
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	2 Individual Names on Record
Mailing Address	1176 OCONEE LN, COMMERCE, GA 30529-4197
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2018	Deed of Trust, Mortgage · FHA Mortgage HOMESTAR FINANCIAL
May 6, 2021	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Jan 29, 2018	Trustee's Deed, Construction Loan · Construction Mortgage CHATTAHOOCHEE BK/GA
Dec 20, 2017	Grant Deed, Construction Loan · Line of Credit CHATTAHOOCHEE BK/GA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2021 · Amount on Record
Deed Sale	May 6, 2021 · Amount on Record
Prior Sale	May 8, 2018 · Amount on Record
Deed Document Number	20212341
Deed Book / Page	95Y / 97
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	1176 OCONEE LN, COMMERCE, GA 30529-4197
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00080U0232
Date	May 21, 2018
Book Page	80U/232

Lender

Name	HOMESTAR FINANCIAL
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	May 6, 2021
Property Address	1176 OCONEE LN, COMMERCE, GA 30529-4197
Document Number	00095Y0097
Book / Page	95Y / 97
Instrument Date	May 6, 2021
Instrument	2021-002341
Transaction Type	Transfer
Record Updated	Apr 18, 2023

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	1176 OCONEE LN, COMMERCE, GA 30529-4197

Mortgage

Document Number	00095Y0000000099
Date	May 17, 2021
Book Page	000000095Y/0000000099

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

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

January 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	JACKSON GA
Recording Date	Jan 29, 2018
Property Address	1176 OCONEE LN, COMMERCE, GA 30529-4197
Document Number	00079O0459
Book / Page	00079O / 000459
Instrument Date	Jan 22, 2018
Transaction Type	Construction Loan
Record Updated	Feb 8, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	79O0459
Date	Jan 29, 2018
Book Page	00079O/000459

Lender

Name	CHATTAHOOCHEE BK/GA
Type	Bank
Address	GAINSVILLE, GA 30501

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 28, 2019

December 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Dec 20, 2017
Property Address	1176 OCONEE LN, COMMERCE, GA 30529-4197
Document Number	00079F0451
Book / Page	00079F / 000451
Instrument Date	Dec 1, 2017
Transaction Type	Construction Loan
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

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	79F0452
Date	Dec 20, 2017
Book Page	00079F/000452

Lender

Name	CHATTAHOOCHEE BK/GA
Type	Bank
Address	GAINESVILLE, GA 30501-4528

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 19, 2018

Interest

Rate Type	Adjustable Rate

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		$172,880 (-) Land $20,000 Building $152,880	$432,200 (-) Land $50,000 Building $382,200
2025	$4,616.00 (-3.27%)	$172,880 (-) Land $20,000 Building $152,880	$432,200 (-) Land $50,000 Building $382,200
2024	$4,772.00 (+4.49%)	$172,880 (+12.06%) Land $20,000 Building $152,880	$432,200 (+12.06%) Land $50,000 Building $382,200
2023	$4,567.00 (+12.18%)	$154,280 (+22.87%) Land $20,000 Building $134,280	$385,700 (+22.87%) Land $50,000 Building $335,700
2022	$4,071.00	$125,560 Land $20,000 Building $105,560	$313,900 Land $50,000 Building $263,900

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

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	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 only, no 5G reported

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