414 Ridgeway St, Commerce, GA 30529 Property Records

Jackson County property record for 414 Ridgeway St, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,757 sqft · built 1979
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Dec 2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage May 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C17 070A`

Property Details

APN / Parcel Number

Primary APN	`C17 070A`
Alternative APN	`9587`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,757 sqft Heated Area
1st Floor Area	640 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	97 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	704 sqft
Carport	Carport
Carport Area	704 sqft

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	276 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9587
Street Address	414 RIDGEWAY ST
City	COMMERCE
State	GA
Zip	30529-1418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT PER 1965 SVY BY JAMES E. FLANDERS
Legal Subdivision	ARTHUR L PATMAN
Legal Lot Number	PER
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	4
Census Block	4041
Census Tract	10300

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	414 RIDGEWAY ST, COMMERCE, GA 30529-1418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Warranty Deed, Transfer UNITED COMMUNITY BANK
May 18, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BK
Mar 9, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 9, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2025 · Amount on Record
Deed Sale	Dec 19, 2025 · Amount on Record
Deed Book / Page	118G / 423
Prior Transfer Date	Feb 28, 2020
Prior Transfer Doc	00088K0319
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Dec 19, 2025
Property Address	414 RIDGEWAY ST, COMMERCE, GA 30529-1418
Document Number	00118G0423
Book / Page	118G / 423
Instrument Date	Dec 19, 2025
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	414 RIDGEWAY ST, COMMERCE, GA 30529-1418

Mortgage

Document Number	000118G426
Date	Dec 19, 2025
Instrument	118G/426

Lender

Name	UNITED COMMUNITY BANK

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	414 RIDGEWAY ST, COMMERCE, GA 30529-1418
Document Number	00089U0213
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 721 COMMERCE GA 305290014, COMMERCE, GA 30529-0014

Mortgage

Document Number	00089U0213
Date	Jun 8, 2020
Book Page	00089U/000213

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

Interest

Rate Type	Adjustable Rate

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON GA
Recording Date	Mar 9, 2020
Property Address	414 RIDGEWAY ST, COMMERCE, GA 30529-1418
Document Number	00088K0322
Book / Page	00088K / 000322
Instrument Date	Feb 18, 2020
Transaction Type	Transfer
Record Updated	Apr 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 721 COMMERCE GA 305290014, COMMERCE, GA 30529-0014

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON GA
Recording Date	Mar 9, 2020
Property Address	414 RIDGEWAY ST, COMMERCE, GA 30529-1418
Document Number	00088K0324
Book / Page	00088K / 000324
Instrument Date	Feb 18, 2020
Transaction Type	Transfer
Record Updated	Apr 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 721 COMMERCE GA 305290014, COMMERCE, GA 30529-0014

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON GA
Recording Date	Sep 26, 2019
Property Address	414 RIDGEWAY ST, COMMERCE, GA 30529-1418
Document Number	00086F0636
Book / Page	00086F / 000636
Instrument Date	Sep 20, 2019
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 720 COMMERCE GA 305290014, COMMERCE, GA 30529-0014

Tax Assessment & Valuation

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		$75,800 (+0.37%) Land $14,160 Building $61,640	$189,500 (+0.37%) Land $35,400 Building $154,100
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$75,520 (+22.76%) Land $13,880 Building $61,640	$188,800 (+22.76%) Land $34,700 Building $154,100
2023	Homeowner's exemption	$61,520 Land $7,320 Building $54,200	$153,800 Land $18,300 Building $135,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 64% of the US · lower than 87% of Georgia
Wildfire Likelihood	0.03% 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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Windstream Cable · DSL · Fiber in parts of the area	1,000 / 25

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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