134 Oak St, Commerce, GA 30529 Property Records

Jackson County property record for 134 Oak St, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,687 sqft · built 2004
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$137,000 (Jul 2020)
Tax Bill	$1,996 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C13 012`

Property Details

APN / Parcel Number

Primary APN	`C13 012`
Alternative APN	`9035`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,687 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	95 ft deep x 75 ft wide
Porch	Slab
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9035
Street Address	134 OAK ST
City	COMMERCE
State	GA
Zip	30529-2707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	001
Legal Description	PLAT BOOK 14 PAGE 168
Legal Subdivision	MIKE RAY
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	4
Census Block	4056
Census Tract	10400

Owner

134 Oak St is owned and occupied by an individual who bought it in July 2020.

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	Individual Name on File
Mailing Address	134 OAK ST, COMMERCE, GA 30529-2707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 14, 2020	Grant Deed, Transfer HOMEOWNERS FIN'L GRP USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2020 · Amount on File
Deed Sale	Jul 10, 2020 · Amount on File
Prior Sale	Jun 9, 2005 · Amount on File
Deed Document Number	20202440
Deed Book / Page	90K / 125
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	134 OAK ST, COMMERCE, GA 30529-2707
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 OAK ST, COMMERCE, GA 30529-2707

Mortgage

Document Number	00108N0000000445
Date	Oct 19, 2023
Book Page	000000108N/0000000445

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Jul 14, 2020
Property Address	134 OAK ST, COMMERCE, GA 30529-2707
Document Number	00090K0125
Book / Page	00090K / 000125
Instrument Date	Jul 10, 2020
Transaction Type	Transfer
Record Updated	Aug 5, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 OAK ST COMMERCE GA 305292707, COMMERCE, GA 30529-2707

Mortgage

Document Number	90K0127
Date	Jul 14, 2020
Book Page	00090K/000127

Lender

Name	HOMEOWNERS FIN'L GRP USA
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 134 Oak St was $1,996 with a homeowner's exemption, up 1.9% 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		$76,480 (-) Land $12,080 Building $64,400	$191,200 (-) Land $30,200 Building $161,000
2025	$1,996.00 (+1.89%) Homeowner's exemption	$76,480 (+6.76%) Land $12,080 Building $64,400	$191,200 (+6.76%) Land $30,200 Building $161,000
2024	$1,959.00 (+2.19%) Homeowner's exemption	$71,640 (+10.62%) Land $7,240 Building $64,400	$179,100 (+10.62%) Land $18,100 Building $161,000
2023	$1,917.00 (+13.23%)	$64,760 (+23.97%) Land $7,240 Building $57,520	$161,900 (+23.97%) Land $18,100 Building $143,800
2022	$1,693.00	$52,240 Land $5,440 Building $46,800	$130,600 Land $13,600 Building $117,000

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 134 Oak 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 134 Oak St is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	Indirect within 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 148 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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