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284 Ruby Ln, Commerce, GA 30530 Property Records

Jackson County property record for 284 Ruby Ln, Commerce, GA 30530 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 2012
Square Footage1,648 sqft Heated Area
Lot Size24,394 sqft (0.56 acres)
OccupancyOwner Occupied
Last Sale$274,900 (2021)
Tax Bill$2,951.00 (2025)

Property Details

APN / Parcel Number

Primary APN010B 042
Alternative APN
  • 17032

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Building Area1,648 sqft Heated Area
1st Floor1,648 sqft 1st Floor
Stories1 Stories
Primary FlooringHardwood Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2012
Exterior MaterialAluminum/Vinyl Exterior
Roof ConstructionGable Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area24,394 sqft (0.56 acres)
Garage TypeAttached Garage
Garage Area504 sqft Garage
Deck Area188 sqft Deck
Porch Area360 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Account Number17032
Street Address284 RUBY LN
CityCOMMERCE
StateGA
Zip30530-4388
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 42 MISS RUBY ESTATES
Legal SubdivisionMISS RUBY ESTATES
Legal Lot Number42
JurisdictionJACKSON GA
Minor Civil DivisionCOMMERCE
Census Blockgroup1
Census Block1013
Census Tract10400

Owner

Source: Jackson County records · APN 010B 042

Assessment roll updated February 23, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address284 RUBY LN, COMMERCE, GA 30530-4388
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 06, 2026Deed of Trust, Mortgage
US DEPARTMENT OF HOUSING AND URBAN DEVEL
May 28, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FREEDOM MORTGAGE
May 24, 2021Warranty Deed, Transfer
Jan 31, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HOMESTAR FIN'L
Feb 07, 2020Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
HOMESTAR FIN'L

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 24, 2021 · Amount on Record
Deed SaleMay 24, 2021 · Amount on Record
Prior SaleJan 31, 2020 · Amount on Record
Deed Doc Number20212562
Deed Book / Page96F / 477
Record RefreshedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON GA
Recording DateApr 06, 2026
Property Address284 RUBY LN, COMMERCE, GA 30530-4388
Document Number00119P0000000245
Book / Page119P / 245
Instrument DateMar 06, 2026
Transaction TypeMortgage
Record UpdatedJul 12, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0119000245,
DateApr 06, 2026
Book Page119P/245
Lender
NameUS DEPARTMENT OF HOUSING AND URBAN DEVEL
Agreement
AmountAmount Recorded
Term300 Months
DueMar 01, 2051
Interest
Rate6.11%
Max Rate-1%

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON GA
Property Address284 RUBY LN, COMMERCE, GA 30530-4388
Transaction TypeMortgage
Record UpdatedFeb 10, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address284 RUBY LN, COMMERCE, GA 30530-4388

Mortgage

Document Number00096F0000000479
DateMay 28, 2021
Book Page000000096F/0000000479
Lender
NameFREEDOM MORTGAGE
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2051

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON GA
Recording DateMay 24, 2021
Property Address284 RUBY LN, COMMERCE, GA 30530-4388
Document Number00096F0477
Book / Page96F / 477
Instrument DateMay 24, 2021
Instrument2021-002562
Transaction TypeTransfer
Record UpdatedFeb 10, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address284 RUBY LN, COMMERCE, GA 30530-4388

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON GA
Property Address284 RUBY LN, COMMERCE, GA 30530-4388
Document Number00087Z0708
Instrument DateJan 31, 2020
Transaction TypeMortgage
Record UpdatedFeb 25, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address284 RUBY LN COMMERCE GA 305304388, COMMERCE, GA 30530-4388

Mortgage

Document Number00087Z0708
DateFeb 07, 2020
Book Page00087Z/000708
Lender
NameHOMESTAR FIN'L
TypeFunding / Finance Company
AddressGAINESVILLE, GA 30501
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 06, 2050

February 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionJACKSON GA
Recording DateFeb 07, 2020
Property Address284 RUBY LN, COMMERCE, GA 30530-4388
Document Number00087Z0707
Book / Page00087Z / 000707
Instrument DateJan 31, 2020
Transaction TypeTransfer
Record UpdatedFeb 28, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$212.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address284 RUBY LN COMMERCE GA 305304388, COMMERCE, GA 30530-4388

Mortgage

Document Number87Z0708
DateFeb 07, 2020
Book Page00087Z/000708
Lender
NameHOMESTAR FIN'L
TypeFunding / Finance Company
AddressGAINESVILLE, GA 30501
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 06, 2050

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated February 23, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateGeorgia
CountyJackson County
Unified School DistrictJackson 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,951.00 (-1.07%)$115,360 (-) Land $11,600 Building $103,760$288,400 (-) Land $29,000 Building $259,400
2024$2,983.00 (+12.23%)$115,360 (+12.26%) Land $11,600 Building $103,760$288,400 (+12.26%) Land $29,000 Building $259,400
2023$2,658.00 (+6.49%)$102,760 (+21.93%) Land $11,600 Building $91,160$256,900 (+21.93%) Land $29,000 Building $227,900
2022$2,496.00$84,280 Land $11,600 Building $72,680$210,700 Land $29,000 Building $181,700

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