41 Cotton St, Commerce, GA 30529 Property Records

Jackson County property record for 41 Cotton St, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,264 sqft · built 1930
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Oct 2024)
Tax Bill	$738 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Jan 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C02 035`

Property Details

APN / Parcel Number

Primary APN	`C02 035`
Alternative APN	`8149`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,264 sqft Heated Area
1st Floor Area	1,264 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1955
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	203 ft deep x 68 ft wide
Porch	Slab
Porch Area	167 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8149
Street Address	41 COTTON ST
City	COMMERCE
State	GA
Zip	30529-2523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 5 T.C. HARDMAN EST PBK 3 PG 387
Legal Subdivision	HARDMAN EST
Legal Lot Number	5
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	4
Census Block	4040
Census Tract	10400

Owner

41 Cotton St is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	41 COTTON ST, COMMERCE, GA 30529-2523
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Oct 8, 2024	Warranty Deed, Transfer · Conventional Mortgage NFM
Jan 31, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 31, 2022	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2024 · Amount on File
Deed Sale	Oct 8, 2024 · Amount on File
Prior Sale	Jan 31, 2022 · Amount on File
Deed Book / Page	112V / 732
Record Updated	Oct 29, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Oct 8, 2024
Property Address	41 COTTON ST, COMMERCE, GA 30529-2523
Document Number	00112V0732
Book / Page	112V / 732
Instrument Date	Sep 27, 2024
Transaction Type	Transfer
Record Updated	Nov 13, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 COTTON ST, COMMERCE, GA 30529-2523

Mortgage

Document Number	000112V734
Date	Oct 8, 2024
Instrument	112V/734

Lender

Name	NFM

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2054

Mortgage

Document Number	00112V0000000749
Date	Oct 8, 2024
Book Page	000000112V/0000000749

Lender

Name	NFM LENDING

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON GA
Recording Date	Jan 31, 2022
Property Address	41 COTTON ST, COMMERCE, GA 30529-2523
Document Number	00100Q0305
Book / Page	100Q / 305
Instrument Date	Jan 31, 2022
Instrument	2022-000395
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 601, WINTERVILLE, GA 30683-0601

January 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Jan 31, 2022
Property Address	41 COTTON ST, COMMERCE, GA 30529-2523
Document Number	00100Q0299
Book / Page	100Q / 299
Instrument Date	Jan 31, 2022
Instrument	2022-000394
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 60, WINTERVILLE, GA 30683-0060
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 41 Cotton St was $738, up 24.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$27,640 (-) Land $12,200 Building $15,440	$69,100 (-) Land $30,500 Building $38,600
2025	$738.00 (+24.24%)	$27,640 (+28.44%) Land $12,200 Building $15,440	$69,100 (+28.44%) Land $30,500 Building $38,600
2024	$594.00 (+1.19%)	$21,520 (+8.47%) Land $6,080 Building $15,440	$53,800 (+8.47%) Land $15,200 Building $38,600
2023	$587.00 (+19.8%)	$19,840 (+31.22%) Land $6,080 Building $13,760	$49,600 (+31.22%) Land $15,200 Building $34,400
2022	$490.00	$15,120 Land $4,560 Building $10,560	$37,800 Land $11,400 Building $26,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 41 Cotton St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 41 Cotton St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Windstream Cable · DSL · Fiber in parts of the area	1,000 / 25
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: TruVista Communications.

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