176 Bowden St, Commerce, GA 30529 Property Records

Jackson County property record for 176 Bowden St, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,368 sqft · built 1907
Lot Size	0.68 acres (29,621 sqft)
Owner	Individual Name on Record
Last Sale	$267,000 (Aug 2021)
Tax Bill	$3,393 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Sep 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C04 007`

Property Details

APN / Parcel Number

Primary APN	`C04 007`
Alternative APN	`8375`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,368 sqft Heated Area
1st Floor Area	2,048 sqft
Attic	Attic
Attic Area	320 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1987
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Metal
Lot Area	29,621 sqft (0.68 acres)
Lot Dimensions	260 ft deep x 114 ft wide
Porch	Slab
Porch Area	705 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8375
Street Address	176 BOWDEN ST
City	COMMERCE
State	GA
Zip	30529-2401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	0.68 ACRE LOT PLAT BK 23 PG 150
Legal Subdivision	PLAT BK
Legal Block	23
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	4
Census Block	4008
Census Tract	10400

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	Individual Name on Record
Mailing Address	176 BOWDEN ST, COMMERCE, GA 30529-2401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING
Sep 25, 2024	Deed of Trust, Mortgage · Line of Credit BANK OZK
Aug 26, 2021	Warranty Deed, Transfer
Feb 19, 2020	Deed of Trust, Mortgage · FHA Mortgage ISERVE RESID'L LNDG
Nov 2, 2017	Grant Deed, Transfer · FHA Mortgage CBC NAT'L BK
Nov 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2021 · Amount on Record
Deed Sale	Aug 26, 2021 · Amount on Record
Prior Sale	Oct 30, 2017 · Amount on Record
Deed Document Number	20214313
Deed Book / Page	97Z / 160
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	176 BOWDEN ST, COMMERCE, GA 30529-2401
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 BOWDEN ST, COMMERCE, GA 30529-2401

Mortgage

Document Number	00109G0000000588
Date	Dec 26, 2023
Book Page	000000109G/0000000588

Lender

Name	FIGURE LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	176 BOWDEN ST, COMMERCE, GA 30529-2401
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 BOWDEN ST, COMMERCE, GA 30529-2401

Mortgage

Document Number	00112R0000000297
Date	Sep 25, 2024
Book Page	000000112R/0000000297

Lender

Name	BANK OZK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Aug 26, 2021
Property Address	176 BOWDEN ST, COMMERCE, GA 30529-2401
Document Number	00097Z0160
Book / Page	97Z / 160
Instrument Date	Aug 26, 2021
Instrument	2021-004313
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
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	176 BOWDEN ST, COMMERCE, GA 30529-2401

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	176 BOWDEN ST, COMMERCE, GA 30529-2401
Document Number	00088F0748
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	176 BOWDEN ST COMMERCE GA 305292401, COMMERCE, GA 30529-2401

Mortgage

Document Number	00088F0748
Date	Feb 27, 2020
Book Page	00088F/000748

Lender

Name	ISERVE RESID'L LNDG
Address	SAN DIEGO, CA 92127

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Nov 2, 2017
Property Address	176 BOWDEN ST, COMMERCE, GA 30529-2401
Document Number	00078U0465
Book / Page	00078U / 000465
Instrument Date	Oct 30, 2017
Transaction Type	Transfer
Record Updated	Nov 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 BOWDEN ST COMMERCE GA 305292401, COMMERCE, GA 30529-2401

Mortgage

Document Number	78U0467
Date	Nov 2, 2017
Book Page	00078U/000467

Lender

Name	CBC NAT'L BK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON GA
Recording Date	Nov 2, 2017
Property Address	176 BOWDEN ST, COMMERCE, GA 30529-2401
Document Number	00078U0485
Book / Page	00078U / 000485
Instrument Date	Oct 30, 2017
Transaction Type	Transfer
Record Updated	Nov 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	176 BOWDEN ST COMMERCE GA 305292401, COMMERCE, GA 30529-2401

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		$130,440 (-) Land $28,160 Building $102,280	$326,100 (-) Land $70,400 Building $255,700
2025	$3,393.00 (+3.73%) Homeowner's exemption	$130,440 (+9.47%) Land $28,160 Building $102,280	$326,100 (+9.47%) Land $70,400 Building $255,700
2024	$3,271.00 (+25.04%) Homeowner's exemption	$119,160 (+12.63%) Land $16,880 Building $102,280	$297,900 (+12.63%) Land $42,200 Building $255,700
2023	$2,616.00 (-2.35%) Homeowner's exemption	$105,800 (+26.98%) Land $16,880 Building $88,920	$264,500 (+26.98%) Land $42,200 Building $222,300
2022	$2,679.00 Homeowner's exemption	$83,320 Land $12,640 Building $70,680	$208,300 Land $31,600 Building $176,700

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	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.

Nearby Properties on Bowden St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures