323 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 323 Oconee Ln, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,060 sqft · built 2001
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jul 2020)
Tax Bill	$3,920 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`036 051`

Property Details

APN / Parcel Number

Primary APN	`036 051`
Alternative APN	`11609`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,060 sqft Heated Area
1st Floor Area	2,060 sqft
Basement Area	2,060 sqft
Unfinished Basement	2,060 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Slab
Porch Area	40 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	11609
Street Address	323 OCONEE LN
City	COMMERCE
State	GA
Zip	30529-4147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LOT 22 OCONEE POINTE PHASE 1
Legal Subdivision	OCONEE PTE PH I
Legal Phase	1
Legal Lot Number	22
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1106
Census Tract	10300

Owner

Source: Jackson County assessment roll, as of February 23, 2026

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

Owner of Record	Individual Name on File
Mailing Address	323 OCONEE LN, COMMERCE, GA 30529-4147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage DART COLLATERAL MANAGER
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage MILEND
Jul 10, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Jul 28, 2020	Grant Deed, Transfer · Conventional Mortgage AMERIS BK
Jul 9, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 10, 2020 · Amount on Record
Deed Sale	Jul 10, 2020 · Amount on Record
Prior Sale	May 30, 2002 · Amount on Record
Deed Document Number	20202416
Deed Book / Page	90Q / 475
Last Transfer Date	Sep 6, 2024
Transfer Doc	00112Q0548
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	323 OCONEE LN, COMMERCE, GA 30529-4147
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 OCONEE LN, COMMERCE, GA 30529-4147

Mortgage

Document Number	00119F0000000507
Date	Mar 10, 2026
Book Page	000000119F/0000000507

Lender

Name	DART COLLATERAL MANAGER

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2046

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	323 OCONEE LN, COMMERCE, GA 30529-4147
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 OCONEE LN, COMMERCE, GA 30529-4147

Mortgage

Document Number	00097L0000000037
Date	Aug 3, 2021
Book Page	000000097L/0000000037

Lender

Name	MILEND

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Jul 10, 2020
Property Address	323 OCONEE LN, COMMERCE, GA 30529-4147
Document Number	00090Q0475
Book / Page	90Q / 475
Instrument Date	Jul 10, 2020
Instrument	2020-002416
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 OCONEE LN, COMMERCE, GA 30529-4147

Mortgage

Document Number	00090Q0000000477
Date	Jul 28, 2020
Book Page	000000090Q/0000000477

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Jul 28, 2020
Property Address	323 OCONEE LN, COMMERCE, GA 30529-4147
Document Number	00090Q0475
Book / Page	00090Q / 000475
Instrument Date	Jul 10, 2020
Transaction Type	Transfer
Record Updated	Aug 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
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	323 OCONEE LN COMMERCE GA 305294147, COMMERCE, GA 30529-4147

Mortgage

Document Number	90Q0477
Date	Jul 28, 2020
Book Page	00090Q/000477

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	323 OCONEE LN, COMMERCE, GA 30529-4147
Document Number	00085H0560
Instrument Date	Jul 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 OCONEE LN COMMERCE GA 305294147, COMMERCE, GA 30529-4147

Mortgage

Document Number	00085H0560
Date	Jul 17, 2019
Book Page	00085H/000560

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of February 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,920.00 (-1.09%)	$157,480 (-) Land $20,000 Building $137,480	$393,700 (-) Land $50,000 Building $343,700
2024	$3,963.00 (+7.43%)	$157,480 (+10.4%) Land $20,000 Building $137,480	$393,700 (+10.4%) Land $50,000 Building $343,700
2023	$3,689.00 (+7.93%)	$142,640 (+19.66%) Land $20,000 Building $122,640	$356,600 (+19.66%) Land $50,000 Building $306,600
2022	$3,418.00	$119,200 Land $20,000 Building $99,200	$298,000 Land $50,000 Building $248,000

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

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

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 at the parcel

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000

May also be available: Uniti Group.

Cell Coverage

5G (outdoors only) and 4G LTE

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