189 Millstone Dr, Commerce, GA 30530 Property Records

Jackson County property record for 189 Millstone Dr, Commerce, GA 30530 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,433 sqft · built 2003
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,031 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Apr 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`020D 008B`

Property Details

APN / Parcel Number

Primary APN	`020D 008B`
Alternative APN	`21596`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,433 sqft Heated Area
1st Floor Area	1,433 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
View / Lot	Corner
Garage Type	Attached
Garage Area	441 sqft

Exterior Amenities

Pool Area	640 sqft
Porch	Slab
Porch Area	169 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	21596
Street Address	189 MILLSTONE DR
City	COMMERCE
State	GA
Zip	30530-3967
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK B MILLSTONE S/D
Legal Subdivision	MILLSTONE
Legal Block	B
Legal Lot Number	8
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3003
Census Tract	10300

Owner

Source: Jackson County records · APN 020D 008B

Assessment roll updated February 23, 2026 · Last verified June 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 File
Mailing Address	189 MILLSTONE DR, COMMERCE, GA 30530-3967
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE
Apr 21, 2026	Warranty Deed, Transfer
Apr 21, 2026	Warranty Deed, Transfer
Mar 28, 2023	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL
Sep 14, 2017	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES
Aug 01, 2019	Grant Deed, Transfer · Conventional with PMI HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 21, 2026
Deed Sale	Apr 21, 2026
Prior Sale	Apr 21, 2026 · Amount on Record
Deed Book / Page	119U / 779
Prior Transfer Date	Jul 27, 2017
Prior Transfer Doc	00078H0273
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	189 MILLSTONE DR, COMMERCE, GA 30530-3967
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 MILLSTONE DR, COMMERCE, GA 30530-3967

Mortgage

Document Number	00109M0000000149
Date	Jan 17, 2024
Book Page	000000109M/0000000149

Lender

Name	UNITED WHOLESALE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2054

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Apr 21, 2026
Property Address	189 MILLSTONE DR, COMMERCE, GA 30530-3967
Document Number	00119U0760
Book / Page	119U / 760
Instrument Date	Apr 20, 2026
Transaction Type	Transfer
Record Updated	Jun 15, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 MILLSTONE DR, COMMERCE, GA 30530-3967

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Apr 21, 2026
Property Address	189 MILLSTONE DR, COMMERCE, GA 30530-3967
Document Number	00119U0779
Book / Page	119U / 779
Instrument Date	Apr 20, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 MILLSTONE DR, COMMERCE, GA 30530-3967

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Mar 28, 2023
Property Address	189 MILLSTONE DR, COMMERCE, GA 30530-3967
Document Number	00106A0164
Book / Page	106A / 164
Instrument Date	Mar 28, 2023
Instrument	2023-001358
Transaction Type	Transfer
Record Updated	May 08, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	189 MILLSTONE DR, COMMERCE, GA 30530-3967

Mortgage

Document Number	000106A166
Date	Mar 28, 2023
Instrument	106A/166

Lender

Name	EVERETT FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 01, 2053

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	189 MILLSTONE DR, COMMERCE, GA 30530-3967
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00078H0277
Date	Sep 14, 2017
Book Page	78H/277

Lender

Name	CARRINGTON MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2047

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Aug 01, 2019
Property Address	189 MILLSTONE DR, COMMERCE, GA 30530-3967
Document Number	00085M0602
Book / Page	00085M / 000602
Instrument Date	Jul 30, 2019
Transaction Type	Transfer
Record Updated	Aug 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$193.50
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	189 MILLSTONE DR COMMERCE GA 305303967, COMMERCE, GA 30530-3967

Mortgage

Document Number	85M0604
Date	Aug 01, 2019
Book Page	00085M/000604

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated February 23, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Jackson County
Unified School District	Jackson County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,031.00 (-1.04%) Homeowner's exemption	$120,360 (-) Land $24,000 Building $96,360	$300,900 (-) Land $60,000 Building $240,900
2024	$3,063.00 (+57%) Homeowner's exemption	$120,360 (+28.81%) Land $24,000 Building $96,360	$300,900 (+28.81%) Land $60,000 Building $240,900
2023	$1,951.00 (-12.51%) Homeowner's exemption	$93,440 (+21.67%) Land $10,000 Building $83,440	$233,600 (+21.67%) Land $25,000 Building $208,600
2022	$2,230.00 Homeowner's exemption	$76,800 Land $10,000 Building $66,800	$192,000 Land $25,000 Building $167,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (13157C), updated March 14, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 131570103003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004, other causes

Wildfire

Wildfire Risk	Low above 38% of the US · above 19% of Georgia
Wildfire Likelihood	About 1 in 1,667 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 52 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Uniti Group	Fiber	2,000 / 2,000
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Uniti Group, Verizon, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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