201 Oak St, Commerce, GA 30529 Property Records

Jackson County property record for 201 Oak St, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,788 sqft · built 1979
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Sep 2021)
Tax Bill	$1,972 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C13 016`

Property Details

APN / Parcel Number

Primary APN	`C13 016`
Alternative APN	`9039`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,788 sqft Heated Area
1st Floor Area	1,788 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1982
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Metal
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	180 ft deep x 70 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	132 sqft
Deck Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9039
Street Address	201 OAK ST
City	COMMERCE
State	GA
Zip	30529-2711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT PER DEED BK 13J PAGE 111
Legal Block	13J
Legal Lot Number	PER
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	4
Census Block	4055
Census Tract	10400

Owner

201 Oak St is owned and occupied by two individuals who bought it in September 2021.

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	201 OAK ST, COMMERCE, GA 30529-2711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Jul 8, 2024	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Sep 15, 2021	Warranty Deed, Transfer · FHA Mortgage FBC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2021 · Amount on File
Deed Sale	Sep 15, 2021 · Amount on File
Prior Sale	Dec 16, 2014 · Amount on File
Deed Document Number	20214662
Deed Book / Page	98I / 245
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Recording Date	May 20, 2026
Property Address	201 OAK ST, COMMERCE, GA 30529-2711
Document Number	0120000210
Book / Page	120I / 210
Instrument Date	May 4, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 OAK ST, COMMERCE, GA 30529-2711

Mortgage

Document Number	0120000210,
Date	May 20, 2026
Book Page	120I/210

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	May 1, 2051

Interest

Rate	6.46%
Max Rate	-1%

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	201 OAK ST, COMMERCE, GA 30529-2711
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 OAK ST, COMMERCE, GA 30529-2711

Mortgage

Document Number	00111P0000000607
Date	Jul 8, 2024
Book Page	000000111P/0000000607

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Sep 15, 2021
Property Address	201 OAK ST, COMMERCE, GA 30529-2711
Document Number	00098I0245
Book / Page	98I / 245
Instrument Date	Sep 15, 2021
Instrument	2021-004662
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 OAK ST, COMMERCE, GA 30529-2711

Mortgage

Document Number	00098I0000000248
Date	Sep 17, 2021
Book Page	000000098I/0000000248

Lender

Name	FBC MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 201 Oak St was $1,972 with a homeowner's exemption, up 2.2% 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		$75,880 (-) Land $15,000 Building $60,880	$189,700 (-) Land $37,500 Building $152,200
2025	$1,972.00 (+2.23%) Homeowner's exemption	$75,880 (+8.59%) Land $15,000 Building $60,880	$189,700 (+8.59%) Land $37,500 Building $152,200
2024	$1,929.00 (+1.85%)	$69,880 (+9.19%) Land $9,000 Building $60,880	$174,700 (+9.19%) Land $22,500 Building $152,200
2023	$1,894.00 (+16.27%)	$64,000 (+27.39%) Land $9,000 Building $55,000	$160,000 (+27.39%) Land $22,500 Building $137,500
2022	$1,629.00	$50,240 Land $6,720 Building $43,520	$125,600 Land $16,800 Building $108,800

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

FEMA maps place 201 Oak St 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 201 Oak 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	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 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Windstream Cable · DSL · Fiber in parts of the area	1,000 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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