397 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 397 Oconee Ln, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,254 sqft · built 2004
Lot Size	1.5 acres (65,340 sqft)
Owner	Owner Name on Record
Tax Bill	$5,471 (2025)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036 049`

Property Details

APN / Parcel Number

Primary APN	`036 049`
Alternative APN	`11607`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,254 sqft Heated Area
1st Floor Area	2,254 sqft
Attic	Attic
Attic Area	277 sqft
Basement Area	2,669 sqft
Finished Basement	2,242 sqft
Unfinished Basement	427 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Other
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Garage Area	531 sqft

Exterior Amenities

Pool Area	648 sqft
Porch	Open Porch
Porch Area	121 sqft
Deck Area	140 sqft
Patio Area	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11607
Old Parcel Number	036 049
Street Address	397 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 20 OCONEE POINTE PHASE 1
Legal Subdivision	OCONEE PTE PH I
Legal Phase	1
Legal Lot Number	20
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1107
Census Tract	10300

Owner

Source: Jackson County records, as of February 20, 2026

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

Owner of Record	Owner Name on Record
Mailing Address	397 OCONEE LN, COMMERCE, GA 30529-4147
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 2, 2004
Transfer Doc	00036X0454
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	397 OCONEE LN, COMMERCE, GA 30529-4147
Document Number	00087E0051
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 23, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 OCONEE LN COMMERCE GA 305294147, COMMERCE, GA 30529-4147

Mortgage

Document Number	00087E0051
Date	Dec 6, 2019
Book Page	00087E/000051

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 5, 2024

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of July 1, 2025

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	$5,471.00 (-1.07%) Homeowner's exemption	$221,560 (-) Land $20,000 Building $201,560	$553,900 (-) Land $50,000 Building $503,900
2024	$5,530.00 (+17.86%) Homeowner's exemption	$221,560 (+11.11%) Land $20,000 Building $201,560	$553,900 (+11.11%) Land $50,000 Building $503,900
2023	$4,692.00 (-0.23%) Homeowner's exemption	$199,400 (+20.24%) Land $20,000 Building $179,400	$498,500 (+20.24%) Land $50,000 Building $448,500
2022	$4,703.00 Homeowner's exemption	$165,840 Land $20,000 Building $145,840	$414,600 Land $50,000 Building $364,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

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 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: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oconee Ln

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