198 Troy St, Commerce, GA 30529 Property Records

Jackson County property record for 198 Troy St, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	1 ba · 975 sqft · built 1979
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Jun 2022)
Tax Bill	$1,243 (2025)
Deeds & Mortgages	Jun 2022 Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C16 074`

Property Details

APN / Parcel Number

Primary APN	`C16 074`
Alternative APN	`9458`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	975 sqft Heated Area
1st Floor Area	975 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	240 ft deep x 65 ft wide
Porch	Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9458
Street Address	198 TROY ST
City	COMMERCE
State	GA
Zip	30529-1737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 8 OF E.E. RUFFIN SUBDIV
Legal Subdivision	SUBDIV
Legal Lot Number	8
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	2
Census Block	2010
Census Tract	10300

Owner

198 Troy St is owned and occupied by an individual who bought it in June 2022.

Source: Jackson County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	198 TROY ST, COMMERCE, GA 30529-1737
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
May 23, 2022	Limited Warranty Deed, Transfer
May 23, 2022	Limited Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2022 · Amount on File
Deed Sale	Jun 10, 2022 · Amount on File
Deed Document Number	20222802
Deed Book / Page	102T / 5
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	198 TROY ST, COMMERCE, GA 30529-1737
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 TROY ST, COMMERCE, GA 30529-1737

Mortgage

Document Number	00102T0000000007
Date	Jun 10, 2022
Book Page	000000102T/0000000007

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Jun 1, 2020

May 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	May 23, 2022
Property Address	198 TROY ST, COMMERCE, GA 30529-1737
Document Number	00102T0005
Book / Page	102T / 5
Instrument Date	May 23, 2022
Instrument	2022-002802
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount 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	198 TROY ST, COMMERCE, GA 30529-1737

May 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	May 23, 2022
Property Address	198 TROY ST, COMMERCE, GA 30529-1737
Document Number	00102T0005
Book / Page	102T / 5
Instrument Date	May 23, 2022
Instrument	2022-002802
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
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	198 TROY ST, COMMERCE, GA 30529-1737

Mortgage

Document Number	00000102T7
Date	May 23, 2022
Instrument	102T/7

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Jun 1, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 198 Troy St was $1,243 with a homeowner's exemption, up 12.5% 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		$49,240 (-) Land $18,120 Building $31,120	$123,100 (-) Land $45,300 Building $77,800
2025	$1,243.00 (+12.49%) Homeowner's exemption	$49,240 (+21.04%) Land $18,120 Building $31,120	$123,100 (+21.04%) Land $45,300 Building $77,800
2024	$1,105.00 (+91.51%) Homeowner's exemption	$40,680 (+10.06%) Land $9,560 Building $31,120	$101,700 (+10.06%) Land $23,900 Building $77,800
2023	$577.00 (+68.22%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$36,960 (+26.06%) Land $9,560 Building $27,400	$92,400 (+26.06%) Land $23,900 Building $68,500
2022	$343.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$29,320 Land $7,440 Building $21,880	$73,300 Land $18,600 Building $54,700

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 198 Troy St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 14, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Wildfire risk around 198 Troy St 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	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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · Cable · DSL	2,000 / 2,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: TruVista Communications.

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