25 S Elm St, Commerce, GA 30529 Property Records

Jackson County property record for 25 S Elm St, Commerce, GA 30529

Property Summary

Property Type	Restaurant
Details	4,424 sqft · built 1996
Lot Size	1.2 acres (52,272 sqft)
Owner	Company Name on File
Last Sale	$1,475,000 (Jan 2019)
Tax Bill	$9,018 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`022 031E`

Property Details

APN / Parcel Number

Primary APN	`022 031E`
Alternative APN	`13254`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Building Area	4,424 sqft Total Area
1st Floor Area	1,824 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2016
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Material	Tar & Gravel
Lot Area	52,272 sqft (1.2 acres)
Porch	Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	13254
Street Address	25 S ELM ST
City	COMMERCE
State	GA
Zip	30529-3291
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	001
Legal Description	1.200 ACRES PLAT BOOK 32 PAGE 75
Legal Subdivision	GLENN R DAVID
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3032
Census Tract	10400

Owner

25 S Elm St, a commercial property, is owned by a company that bought it in January 2019.

Source: Jackson County records, as of October 19, 2026

Owner of Record	Company Name on File
Mailing Address	4445 KIRKWELL RD, CUMMING, GA 30041-2002
Owner Type	Company
Vesting	Company

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
Sep 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage CLASSIC BANK
Dec 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST IC BANK
Feb 21, 2019	Warranty Deed, Transfer COMMERCIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2019 · Amount on File
Deed Sale	Jan 28, 2019 · Amount on File
Prior Sale	Jul 19, 2013 · Amount on File
Deed Document Number	2019533
Deed Book / Page	83P / 450
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Recording Date	Sep 25, 2026
Property Address	25 S ELM ST, COMMERCE, GA 30529-3291
Document Number	0122000338
Book / Page	122A / 338
Instrument Date	Sep 25, 2026
Transaction Type	Mortgage
Record Updated	Oct 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 S ELM ST, COMMERCE, GA 30529-3291

Mortgage

Document Number	0122000338,
Date	Sep 25, 2026
Book Page	122A/338

Lender

Name	CLASSIC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 1, 2031

Interest

Max Rate	-1%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	25 S ELM ST, COMMERCE, GA 30529-3291
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00079F0377
Date	Dec 19, 2017
Book Page	79F/377

Lender

Name	FIRST IC BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2022

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Feb 21, 2019
Property Address	25 S ELM ST, COMMERCE, GA 30529-3291
Document Number	00083P0450
Book / Page	00083P / 000450
Instrument Date	Jan 28, 2019
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,475.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25 S ELM ST COMMERCE GA 305293291, COMMERCE, GA 30529-3291

Mortgage

Document Number	83P0452
Date	Feb 21, 2019
Book Page	00083P/000452

Lender

Name	COMMERCIAL BK
Type	Bank
Address	102 N CHURCH ST, CRAWFORD, GA 30630

Agreement

Amount	Amount on Record
Term	60 Months
Due	Feb 20, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 25 S Elm St was $9,018, down 0.4% 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		$337,680 (-) Land $161,520 Building $176,160	$844,200 (-) Land $403,800 Building $440,400
2025	$9,018.00 (-0.36%)	$337,680 (+2.99%) Land $161,520 Building $176,160	$844,200 (+2.99%) Land $403,800 Building $440,400
2024	$9,051.00 (-9.73%)	$327,880 (-3.19%) Land $156,800 Building $171,080	$819,700 (-3.19%) Land $392,000 Building $427,700
2023	$10,027.00 (+6.8%)	$338,680 (+16.96%) Land $156,800 Building $181,880	$846,700 (+16.96%) Land $392,000 Building $454,700
2022	$9,389.00	$289,560 Land $125,440 Building $164,120	$723,900 Land $313,600 Building $410,300

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 25 S Elm 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 25 S Elm St is low, with a 0.03% 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	0.03% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable · Fiber in parts of the area	1,000 / 25
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, TruVista Communications, Xfinity.

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