Jackson County property record for 248 Ridge Mill Ln, Commerce, GA 30529
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,871 sqft · built 2008 |
| Lot Size | 1.62 acres (70,567 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $228,000 (Feb 2012) |
| Tax Bill | $5,177 (2025) |
| Deeds & Mortgages | Feb 2024 Second Mortgage Mar 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 024C 093 |
| Primary APN | 024C 093 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,871 sqft Heated Area |
| 1st Floor Area | 2,136 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 70,567 sqft (1.62 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Pool Area | 512 sqft |
| Porch | Slab |
| Porch Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 26339 |
|---|---|
| Street Address | 248 RIDGE MILL LN |
| City | COMMERCE |
| State | GA |
| Zip | 30529-7218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 93 RIDGE MILL MANOR PHASE I |
| Legal Subdivision | RIDGE MILL MANOR |
| Legal Phase | 1 |
| Legal Lot Number | 93 |
| Jurisdiction | JACKSON GA |
| Township / Civil Division | COMMERCE |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 10400 |
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 | 248 RIDGE MILL LN, COMMERCE, GA 30529-7218 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 6, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Mar 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage HOMESIDE FINANCIAL |
| Dec 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOWER |
| Jun 8, 2022 | Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK |
| Sep 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOWER |
| Sep 25, 2019 | Deed of Trust, Mortgage · Line of Credit LOWER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2012 · Amount on Record |
| Deed Sale | Feb 6, 2012 · Amount on Record |
| Prior Sale | Oct 25, 2002 · Amount on Record |
| Deed Book / Page | 61Y |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 248 RIDGE MILL LN, COMMERCE, GA 30529-7218 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 820 FOLLIN LN SE, VIENNA, VA 22180-4907 |
| Document Number | 00109R0000000292 |
|---|---|
| Date | Feb 6, 2024 |
| Book Page | 000000109R/0000000292 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 248 RIDGE MILL LN, COMMERCE, GA 30529-7218 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 248 RIDGE MILL LN, COMMERCE, GA 30529-7218 |
| Document Number | 00095A0000000347 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 000000095A/0000000347 |
| Name | HOMESIDE FINANCIAL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 248 RIDGE MILL LN, COMMERCE, GA 30529-7218 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 248 RIDGE MILL LN, COMMERCE, GA 30529-7218 |
| Document Number | 00099U0000000524 |
|---|---|
| Date | Dec 8, 2021 |
| Book Page | 000000099U/0000000524 |
| Name | LOWER |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 248 RIDGE MILL LN, COMMERCE, GA 30529-7218 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 248 RIDGE MILL LN, COMMERCE, GA 30529-7218 |
| Document Number | 00102R0000000715 |
|---|---|
| Date | Jun 8, 2022 |
| Book Page | 000000102R/0000000715 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 248 RIDGE MILL LN, COMMERCE, GA 30529-7218 |
| Document Number | 00086J0580 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 248 RIDGE MILL LN COMMERCE GA 305297218, COMMERCE, GA 30529-7218 |
| Document Number | 00086J0580 |
|---|---|
| Date | Oct 8, 2019 |
| Book Page | 00086J/000580 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 7, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 248 RIDGE MILL LN, COMMERCE, GA 30529-7218 |
| Document Number | 00086J0596 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 248 RIDGE MILL LN COMMERCE GA 305297218, COMMERCE, GA 30529-7218 |
| Document Number | 00086J0596 |
|---|---|
| Date | Oct 8, 2019 |
| Book Page | 00086J/000596 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 7, 2039 |
| Rate Type | Adjustable Rate |
|---|
Source: Jackson County assessment roll, as of February 23, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Jackson County |
| Unified School District | Jackson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $204,760 (-) Land $24,000 Building $180,760 | $511,900 (-) Land $60,000 Building $451,900 | |
| 2025 | $5,177.00 (-1.07%) | $204,760 (-) Land $24,000 Building $180,760 | $511,900 (-) Land $60,000 Building $451,900 |
| 2024 | $5,233.00 (+10.56%) | $204,760 (+11.89%) Land $24,000 Building $180,760 | $511,900 (+11.89%) Land $60,000 Building $451,900 |
| 2023 | $4,733.00 (+6.84%) | $183,000 (+20.62%) Land $24,000 Building $159,000 | $457,500 (+20.62%) Land $60,000 Building $397,500 |
| 2022 | $4,430.00 | $151,720 Land $24,000 Building $127,720 | $379,300 Land $60,000 Building $319,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | JACKSON COUNTY WATER & SEWER AUTHORITY serves 33,601 people · EPA ID GA1570117 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2022 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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