192 Louise Dr, Commerce, GA 30529 Property Records

Jackson County property record for 192 Louise Dr, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,039 sqft · built 1995
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Dec 2025)
Tax Bill	$2,515 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`021A 043`

Property Details

APN / Parcel Number

Primary APN	`021A 043`
Alternative APN	`13117`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,039 sqft Heated Area
1st Floor Area	1,418 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.57 acres)
Porch	Slab
Porch Area	36 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	13117
Street Address	192 LOUISE DR
City	COMMERCE
State	GA
Zip	30529-1389
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 16 BLK A SHORT S/D
Legal Subdivision	SHORT S/D
Legal Block	A
Legal Lot Number	16
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1068
Census Tract	10300

Owner

192 Louise Dr is owned and occupied by two individuals who bought it in December 2025.

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 File
Mailing Address	192 LOUISE DR, COMMERCE, GA 30529-1389
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage SOUTHERN ENERGY CREDIT UNION
Dec 1, 2025	Limited Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL
Dec 1, 2025	Warranty Deed, Transfer
Jan 14, 2020	Grant Deed, Transfer OTHER INSTITUTIONAL LENDERS
Jan 25, 2019	Loan Modification, Mortgage · Conventional Mortgage FIRST MADISON BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2025 · Amount on File
Deed Sale	Dec 1, 2025 · Amount on File
Prior Sale	Jan 7, 2020 · Amount on File
Deed Book / Page	117Y / 518
Prior Transfer Date	Nov 17, 2025
Prior Transfer Doc	00117Y0547
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	192 LOUISE DR, COMMERCE, GA 30529-1389
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 LOUISE DR, COMMERCE, GA 30529-1389

Mortgage

Document Number	00117M0000000724
Date	Oct 23, 2025
Book Page	000000117M/0000000724

Lender

Name	SOUTHERN ENERGY CREDIT UNION

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2045

December 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Dec 1, 2025
Property Address	192 LOUISE DR, COMMERCE, GA 30529-1389
Document Number	00117Y0518
Book / Page	117Y / 518
Instrument Date	Nov 17, 2025
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.15
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 LOUISE DR, COMMERCE, GA 30529-1389

Mortgage

Document Number	000117Y520
Date	Dec 1, 2025
Instrument	117Y/520

Lender

Name	EVERETT FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

Mortgage

Document Number	00117Y0000000536
Date	Dec 1, 2025
Book Page	000000117Y/0000000536

Lender

Name	EVERETT FINANCIAL

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Dec 1, 2025
Property Address	192 LOUISE DR, COMMERCE, GA 30529-1389
Document Number	00117Y0547
Book / Page	117Y / 547
Instrument Date	Nov 17, 2025
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 LOUISE DR, COMMERCE, GA 30529-1389

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Jan 14, 2020
Property Address	192 LOUISE DR, COMMERCE, GA 30529-1389
Document Number	00087R0252
Book / Page	00087R / 000252
Instrument Date	Jan 7, 2020
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
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	192 LOUISE DR COMMERCE GA 305291389, COMMERCE, GA 30529-1389

Mortgage

Document Number	87R0253
Date	Jan 14, 2020
Book Page	00087R/000253

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	ATLANTA, GA 30361

Agreement

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

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON GA
Property Address	192 LOUISE DR, COMMERCE, GA 30529-1389
Document Number	00083R0514
Instrument Date	Jan 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 BUCKEYE TRAILS DR COMMERCE GA 305306987, COMMERCE, GA 30530-6987

Mortgage

Document Number	00083R0514
Date	Feb 27, 2019
Book Page	00083R/000514

Lender

Name	FIRST MADISON BK&TR
Type	Bank
Address	DANIELSVILLE, GA 30633

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Feb 26, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 192 Louise Dr was $2,515 with a homeowner's exemption, down 3.1% 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		$94,680 (-) Land $20,000 Building $74,680	$236,700 (-) Land $50,000 Building $186,700
2025	$2,515.00 (-3.08%) Homeowner's exemption	$94,680 (-) Land $20,000 Building $74,680	$236,700 (-) Land $50,000 Building $186,700
2024	$2,595.00 (+50.09%) Homeowner's exemption	$94,680 (+24.84%) Land $20,000 Building $74,680	$236,700 (+24.84%) Land $50,000 Building $186,700
2023	$1,729.00 (-12.19%) Homeowner's exemption	$75,840 (+23.44%) Land $10,000 Building $65,840	$189,600 (+23.44%) Land $25,000 Building $164,600
2022	$1,969.00 Homeowner's exemption	$61,440 Land $10,000 Building $51,440	$153,600 Land $25,000 Building $128,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 192 Louise Dr 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 192 Louise Dr is low, with a 0.02% 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	0.02% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Windstream Cable · DSL	1,000 / 25

May also be available: AT&T.

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