20 Paula St, Commerce, GA 30529 Property Records

Jackson County property record for 20 Paula St, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,079 sqft · built 1971
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (May 2022)
Tax Bill	$2,114 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C17 135`

Property Details

APN / Parcel Number

Primary APN	`C17 135`
Alternative APN	`9650`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,079 sqft Heated Area
1st Floor Area	1,079 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2013
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Slab
Porch Area	68 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9650
Street Address	20 PAULA ST
City	COMMERCE
State	GA
Zip	30529-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 17 SARTAIN BROS SUBV
Legal Subdivision	SARTAIN BROS SUBV
Legal Lot Number	17
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	2
Census Block	2002
Census Tract	10300

Owner

Source: Jackson County records, as of September 23, 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 Record
Mailing Address	20 PAULA ST, COMMERCE, GA 30529-1626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES
Apr 29, 2022	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK
Apr 29, 2022	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK
Oct 1, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Jun 7, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2022 · Amount on Record
Deed Sale	May 3, 2022 · Amount on Record
Prior Sale	May 29, 2018 · Amount on Record
Deed Document Number	20222030
Deed Book / Page	102F / 429
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	20 PAULA ST, COMMERCE, GA 30529-1626
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PAULA ST, COMMERCE, GA 30529-1626

Mortgage

Document Number	00100P0000000095
Date	Jan 27, 2022
Book Page	000000100P/0000000095

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Apr 29, 2022
Property Address	20 PAULA ST, COMMERCE, GA 30529-1626
Document Number	00102F0429
Book / Page	102F / 429
Instrument Date	Apr 29, 2022
Instrument	2022-002030
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	20 PAULA ST, COMMERCE, GA 30529-1626

Mortgage

Document Number	00102F0000000430
Date	May 3, 2022
Book Page	000000102F/0000000430

Lender

Name	AMERIS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Apr 29, 2022
Property Address	20 PAULA ST, COMMERCE, GA 30529-1626
Document Number	00102F0429
Book / Page	102F / 429
Instrument Date	Apr 29, 2022
Instrument	2022-002030
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	20 PAULA ST, COMMERCE, GA 30529-1626

Mortgage

Document Number	000102F430
Date	Apr 29, 2022
Instrument	102F/430

Lender

Name	AMERIS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	20 PAULA ST, COMMERCE, GA 30529-1626
Document Number	00086M0094
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PAULA ST COMMERCE GA 305291626, COMMERCE, GA 30529-1626

Mortgage

Document Number	00086M0094
Date	Oct 11, 2019
Book Page	00086M/000094

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Jun 7, 2018
Property Address	20 PAULA ST, COMMERCE, GA 30529-1626
Document Number	00081A0126
Book / Page	00081A / 000126
Instrument Date	May 29, 2018
Transaction Type	Transfer
Record Updated	Jun 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$116.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PAULA ST COMMERCE GA 305291626, COMMERCE, GA 30529-1626

Mortgage

Document Number	81A0127
Date	Jun 7, 2018
Book Page	00081A/000127

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2048

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		$81,720 (-) Land $20,000 Building $61,720	$204,300 (-) Land $50,000 Building $154,300
2025	$2,114.00 (+4.81%) Homeowner's exemption	$81,720 (+10.85%) Land $20,000 Building $61,720	$204,300 (+10.85%) Land $50,000 Building $154,300
2024	$2,017.00 (+6.49%) Homeowner's exemption	$73,720 (+10.43%) Land $12,000 Building $61,720	$184,300 (+10.43%) Land $30,000 Building $154,300
2023	$1,894.00 (+171.35%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$66,760 (+30.7%) Land $12,000 Building $54,760	$166,900 (+30.7%) Land $30,000 Building $136,900
2022	$698.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$51,080 Land $8,000 Building $43,080	$127,700 Land $20,000 Building $107,700

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 97.1% of Georgia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Windstream Cable · DSL · Fiber in parts of the area	1,000 / 25

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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