2004 Chestnut Oak Trl, Commerce, GA 30530 Property Records

Jackson County property record for 2004 Chestnut Oak Trl, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,255 sqft · built 2016
Lot Size	1.56 acres (67,954 sqft)
Owner	2 Individual Names on Record
Last Sale	$22,000 (Oct 2015)
Tax Bill	$6,054 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001A 020B`

Property Details

APN / Parcel Number

Primary APN	`001A 020B`
Alternative APN	`31183`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,255 sqft Heated Area
1st Floor Area	2,205 sqft
Basement Area	2,205 sqft
Unfinished Basement	2,205 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Fiber Cement Siding
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	67,954 sqft (1.56 acres)
Garage Type	Attached
Garage Area	1,200 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	612 sqft
Deck Area	228 sqft
Patio Area	660 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	31183
Street Address	2004 CHESTNUT OAK TRL
City	COMMERCE
State	GA
Zip	30530-4195
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	004
Legal Description	LOTS 20 & 21 BLK B SANDY CREEK GOLF COURSE
Legal Subdivision	SANDY CREEK
Legal Block	B
Legal Lot Number	20
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3002
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	2 Individual Names on Record
Mailing Address	2004 CHESTNUT OAK TRL, COMMERCE, GA 30530-4195
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BANK
Feb 10, 2020	Deed of Trust, Mortgage · Line of Credit MOUNTAIN VLY CMNTY BK
Feb 10, 2020	Deed of Trust, Mortgage · Line of Credit MOUNTAIN VLY CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2015 · Amount on Record
Deed Sale	Oct 26, 2015 · Amount on Record
Prior Sale	Feb 21, 2013 · Amount on Record
Deed Document Number	20152806
Deed Book / Page	71Y / 58
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	2004 CHESTNUT OAK TRL, COMMERCE, GA 30530-4195
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00078K0746
Date	Sep 26, 2017
Book Page	78K/746

Lender

Name	MAGNOLIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	2004 CHESTNUT OAK TRL, COMMERCE, GA 30530-4195
Document Number	00089C0065
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 CHESTNUT OAK TRL COMMERCE GA 305304195, COMMERCE, GA 30530-4195

Mortgage

Document Number	00089C0065
Date	Apr 22, 2020
Book Page	00089C/000065

Lender

Name	MOUNTAIN VLY CMNTY BK
Type	Bank
Address	JEFFERSON, GA 30549

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 21, 2030

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	2004 CHESTNUT OAK TRL, COMMERCE, GA 30530-4195
Document Number	00089C0055
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 CHESTNUT OAK TRL COMMERCE GA 305304195, COMMERCE, GA 30530-4195

Mortgage

Document Number	00089C0055
Date	Apr 22, 2020
Book Page	00089C/000055

Lender

Name	MOUNTAIN VLY CMNTY BK
Type	Bank
Address	JEFFERSON, GA 30549

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 21, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of February 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$241,760 (-) Land $30,000 Building $211,760	$604,400 (-) Land $75,000 Building $529,400
2025	$6,054.00 (-1.06%) Homeowner's exemption	$241,760 (-) Land $30,000 Building $211,760	$604,400 (-) Land $75,000 Building $529,400
2024	$6,119.00 (+7.75%) Homeowner's exemption	$241,760 (+1.77%) Land $30,000 Building $211,760	$604,400 (+1.77%) Land $75,000 Building $529,400
2023	$5,679.00 (+0.04%) Homeowner's exemption	$237,560 (+20.59%) Land $36,000 Building $201,560	$593,900 (+20.59%) Land $90,000 Building $503,900
2022	$5,677.00 Homeowner's exemption	$197,000 Land $36,000 Building $161,000	$492,500 Land $90,000 Building $402,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.07% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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