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409 Whitehill Ln, Commerce, GA 30529 Property Records

Jackson County property record for 409 Whitehill Ln, Commerce, GA 30529

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,007 sqft · built 2018
Lot Size1.02 acres (44,431 sqft)
Owner2 Individual Names on File
Last Sale$479,000 (May 2025)
Tax Bill$2,992 (2025)
Deeds & MortgagesApr 2021 Mortgage
Dec 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN023B 017

Property Details

APN / Parcel Number

Primary APN023B 017
Alternative APN
  • 32465

Interior

Full Baths3 Baths
Stories1 Story
Building Area2,007 sqft Heated Area
1st Floor Area1,787 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialFiber Cement Siding
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area44,431 sqft (1.02 acres)
Garage Area441 sqft
PorchSlab
Porch Area278 sqft
Patio Area133 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number32465
Street Address409 WHITEHILL LN
CityCOMMERCE
StateGA
Zip30529-8138
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code004
Legal DescriptionLOT 17 WHITEHILL MEADOWS
Legal SubdivisionWHITEHILL MEADOWS
Legal Phase1
Legal BlockA
Legal Lot Number17
JurisdictionJACKSON GA
Township / Civil DivisionCOMMERCE
Census Block Group3
Census Block3032
Census Tract10400

Owner

409 Whitehill Ln is owned and occupied by two individuals who bought it in May 2025.

Source: Jackson County records, as of September 23, 2026

Owner of Record2 Individual Names on File
Mailing Address409 WHITEHILL LN, COMMERCE, GA 30529-8138
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Apr 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
ACOPIA
Dec 20, 2018Grant Deed, Subdivision Related Transfer · Conventional Mortgage
HOMESTAR FIN'L
Aug 14, 2018Warranty Deed, Construction Loan · Line of Credit
ENTEGRA BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 8, 2025 · Amount on File
Deed SaleMay 8, 2025 · Amount on File
Prior SaleDec 12, 2018 · Amount on File
Deed Book / Page115J / 309
Record UpdatedOct 29, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON GA
Property Address409 WHITEHILL LN, COMMERCE, GA 30529-8138
Transaction TypeMortgage
Record UpdatedAug 4, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 WHITEHILL LN, COMMERCE, GA 30529-8138

Mortgage

Document Number00095H0000000264
DateApr 12, 2021
Book Page000000095H/0000000264
Lender
NameACOPIA
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2051

December 2018: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionJACKSON GA
Recording DateDec 20, 2018
Property Address409 WHITEHILL LN, COMMERCE, GA 30529-8138
Document Number00083B0277
Book / Page00083B / 000277
Instrument DateDec 12, 2018
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 14, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$203.90
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address409 WHITEHILL LN COMMERCE GA 305298138, COMMERCE, GA 30529-8138

Mortgage

Document Number83B0278
DateDec 20, 2018
Book Page00083B/000278
Lender
NameHOMESTAR FIN'L
TypeFunding / Finance Company
AddressGAINESVILLE, GA 30501
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 19, 2048

August 2018: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionJACKSON GA
Recording DateAug 14, 2018
Property Address409 WHITEHILL LN, COMMERCE, GA 30529-8138
Document Number00081U0373
Book / Page00081U / 000373
Instrument DateAug 8, 2018
Transaction TypeConstruction Loan
Record UpdatedSep 26, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$30.00

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address409 WHITEHILL LN COMMERCE GA 305298138, COMMERCE, GA 30529-8138

Mortgage

Document Number81U0374
DateAug 14, 2018
Book Page00081U/000374
Lender
NameENTEGRA BK
AddressFRANKLIN, NC 28734
Agreement
TypeLine of Credit
AmountAmount on Record
Term12 Months
DueAug 13, 2019
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 409 Whitehill Ln was $2,992 with a homeowner's exemption, down 14.6% from the year before.

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

Property Jurisdictions

TypeName
StateGeorgia
CountyJackson County
MunicipalityCommerce City
Unified School DistrictCommerce City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$153,640 (-) Land $28,000 Building $125,640$384,100 (-) Land $70,000 Building $314,100
2025$2,992.00 (-14.61%) Homeowner's exemption$153,640 (-) Land $28,000 Building $125,640$384,100 (-) Land $70,000 Building $314,100
2024$3,504.00 (+28.49%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed$153,640 (+11.04%) Land $28,000 Building $125,640$384,100 (+11.04%) Land $70,000 Building $314,100
2023$2,727.00 (-4.05%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed$138,360 (+20.61%) Land $28,000 Building $110,360$345,900 (+20.61%) Land $70,000 Building $275,900
2022$2,842.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed$114,720 Land $28,000 Building $86,720$286,800 Land $70,000 Building $216,800

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

FEMA maps place 409 Whitehill Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 14, 2018

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Wildfire risk around 409 Whitehill Ln is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 SystemCOMMERCE
serves 11,340 people · EPA ID GA1570001
Water SourceSurface water
Last State InspectionJan 2024
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Apr 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 17 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
TruVista Communications
Fiber		5,000 / 5,000
Windstream
Cable		1,000 / 25
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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