281 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 281 Oconee Ln, Commerce, GA 30529 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,896 sqft · built 2000
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Aug 2020)
Tax Bill	$4,075 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036 052`

Property Details

APN / Parcel Number

Primary APN	`036 052`
Alternative APN	`11610`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,896 sqft Heated Area
1st Floor Area	1,896 sqft
Attic	Attic
Attic Area	389 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2008
Architectural Style	Other
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Garage Area	648 sqft
Porch	Open Porch
Porch Area	204 sqft
Deck Area	189 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11610
Street Address	281 OCONEE LN
City	COMMERCE
State	GA
Zip	30529-4149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 OCONEE POINTE PHASE 1
Legal Subdivision	OCONEE POINTE
Legal Phase	1
Legal Lot Number	23
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1106
Census Tract	10300

Owner

Source: Jackson County records · APN 036 052

Assessment roll updated July 1, 2025 · Last verified February 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 File
Mailing Address	281 OCONEE LN, COMMERCE, GA 30529-4149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2020	Grant Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG
Jul 02, 2019	Deed of Trust, Mortgage · Line of Credit HALLCO CMNTY CU
Nov 16, 2017	Grant Deed, Transfer · Conventional Mortgage HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Prior Sale	Nov 13, 2017 · Amount on Record
Deed Document Number	0000091P71
Deed Book / Page	91P / 71
Record Updated	Jun 08, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Sep 21, 2020
Property Address	281 OCONEE LN, COMMERCE, GA 30529-4149
Document Number	00091P0071
Book / Page	00091P / 000071
Instrument Date	Aug 31, 2020
Transaction Type	Transfer
Record Updated	Oct 09, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	281 OCONEE LN COMMERCE GA 305294149, COMMERCE, GA 30529-4149

Mortgage

Document Number	91P0073
Date	Sep 21, 2020
Book Page	00091P/000073

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	281 OCONEE LN, COMMERCE, GA 30529-4149
Document Number	00085J0228
Instrument Date	Jul 02, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 OCONEE LN COMMERCE GA 305294149, COMMERCE, GA 30529-4149

Mortgage

Document Number	00085J0228
Date	Jul 22, 2019
Book Page	00085J/000228

Lender

Name	HALLCO CMNTY CU
Address	GAINESVILLE, GA 30501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 21, 2034

Interest

Rate Type	Adjustable Rate

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Nov 16, 2017
Property Address	281 OCONEE LN, COMMERCE, GA 30529-4149
Document Number	00078Y0087
Book / Page	00078Y / 000087
Instrument Date	Nov 13, 2017
Transaction Type	Transfer
Record Updated	Dec 05, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$238.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 OCONEE LN COMMERCE GA 305294149, COMMERCE, GA 30529-4149

Mortgage

Document Number	78Y0088
Date	Nov 16, 2017
Book Page	00078Y/000088

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2047

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,075.00 (-1.07%) Homeowner's exemption	$165,480 (-) Land $20,000 Building $145,480	$413,700 (-) Land $50,000 Building $363,700
2024	$4,119.00 (+21.04%) Homeowner's exemption	$165,480 (+10.64%) Land $20,000 Building $145,480	$413,700 (+10.64%) Land $50,000 Building $363,700
2023	$3,403.00 (-3.3%) Homeowner's exemption	$149,560 (+20.07%) Land $20,000 Building $129,560	$373,900 (+20.07%) Land $50,000 Building $323,900
2022	$3,519.00 Homeowner's exemption	$124,560 Land $20,000 Building $104,560	$311,400 Land $50,000 Building $261,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (13157C), updated March 14, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 26% of Georgia
Wildfire Likelihood	About 1 in 1,724 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
TruVista Communications	Fiber	5,000 / 5,000

May also be available at this address: Uniti Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

281 Oconee Ln, Commerce, GA 30529 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2020: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Nearby Properties on Oconee Ln

Nearby Streets

Search Property Records by Address or Parcel Number