1226 Oconee Rdg, Commerce, GA 30529 Property Records

Jackson County property record for 1226 Oconee Rdg, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,383 sqft · built 2019
Lot Size	2.41 acres (104,980 sqft)
Owner	2 Individual Names on Record
Last Sale	$276,900 (Sep 2019)
Tax Bill	$4,617 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035A 033`

Property Details

APN / Parcel Number

Primary APN	`035A 033`
Alternative APN	`34586`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,383 sqft Heated Area
1st Floor Area	2,336 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	104,980 sqft (2.41 acres)
Garage Type	Attached
Garage Area	576 sqft
Porch	Slab
Porch Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	34586
Street Address	1226 OCONEE RDG
City	COMMERCE
State	GA
Zip	30529-4193
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 33 OCONEE POINTE SUBD PH II
Legal Subdivision	OCONEE POINTE PHASE II
Legal Phase	2
Legal Lot Number	33
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1226 OCONEE RDG, COMMERCE, GA 30529-4193
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Sep 18, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOMESTAR FIN'L
Dec 6, 2018	Grant Deed, Construction Loan · Line of Credit ENTEGRA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2019 · Amount on Record
Deed Sale	Sep 13, 2019 · Amount on Record
Prior Sale	Nov 20, 2018 · Amount on Record
Deed Document Number	20193334
Deed Book / Page	86D / 368
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	1226 OCONEE RDG, COMMERCE, GA 30529-4193
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 OCONEE RDG, COMMERCE, GA 30529-4193

Mortgage

Document Number	00099R0000000369
Date	Dec 1, 2021
Book Page	000000099R/0000000369

Lender

Name	UNITED COMMUNITY BANK

Agreement

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

September 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Sep 18, 2019
Property Address	1226 OCONEE RDG, COMMERCE, GA 30529-4193
Document Number	00086D0368
Book / Page	00086D / 000368
Instrument Date	Sep 13, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276.90
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
Address	1226 OCONEE RDG COMMERCE GA 305294193, COMMERCE, GA 30529-4193

Mortgage

Document Number	86D0369
Date	Sep 18, 2019
Book Page	00086D/000369

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

December 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Dec 6, 2018
Property Address	1226 OCONEE RDG, COMMERCE, GA 30529-4193
Document Number	00082X0576
Book / Page	00082X / 000576
Instrument Date	Nov 16, 2018
Transaction Type	Construction Loan
Record Updated	Jan 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$110.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1069 OCONEE LN COMMERCE GA 305294107, COMMERCE, GA 30529-4107
Investor	Possibly a Property Investor

Mortgage

Document Number	82X0577
Date	Dec 6, 2018
Book Page	00082X/000577

Lender

Name	ENTEGRA BK
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 5, 2019

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	82X0596,
Date	Dec 6, 2018
Book Page	00082X/000596

Lender

Name	ENTEGRA BK
Address	FRANKLIN, NC 28734

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 5, 2019

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		$173,400 (-) Land $20,000 Building $153,400	$433,500 (-) Land $50,000 Building $383,500
2025	$4,617.00 (-3.17%) Homeowner's exemption	$173,400 (-) Land $20,000 Building $153,400	$433,500 (-) Land $50,000 Building $383,500
2024	$4,768.00 (+17.21%) Homeowner's exemption	$173,400 (+11.99%) Land $20,000 Building $153,400	$433,500 (+11.99%) Land $50,000 Building $383,500
2023	$4,068.00 (+0.15%) Homeowner's exemption	$154,840 (+22.93%) Land $20,000 Building $134,840	$387,100 (+22.93%) Land $50,000 Building $337,100
2022	$4,062.00 Homeowner's exemption	$125,960 Land $20,000 Building $105,960	$314,900 Land $50,000 Building $264,900

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	Direct burnable vegetation

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

5G (outdoors only) and 4G LTE

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