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438 Ridge Mill Ln, Commerce, GA 30529 Property Records

Jackson County property record for 438 Ridge Mill Ln, Commerce, GA 30529

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 2,425 sqft · built 2005
Lot Size0.76 acres (33,106 sqft)
Owner2 Individual Names on File
Last Sale$415,000 (May 2025)
Tax Bill$4,149 (2025)
Deeds & MortgagesMay 2025 Sale & Mortgage
Nov 2019 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN024C 046

Property Details

APN / Parcel Number

Primary APN024C 046
Alternative APN
  • 26328

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,425 sqft Heated Area
1st Floor Area1,685 sqft
Basement Area1,685 sqft
Unfinished Basement1,685 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialFiber Cement Siding
Foundation TypeMasonry
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area33,106 sqft (0.76 acres)
Garage TypeAttached
Garage Area430 sqft

Exterior Amenities

PorchSlab
Porch Area36 sqft
Deck Area192 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number26328
Street Address438 RIDGE MILL LN
CityCOMMERCE
StateGA
Zip30529-7240
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 46 RIDGE MILL MANOR PHASE I
Legal SubdivisionRIDGE MILL MANOR
Legal Phase1
Legal Lot Number46
JurisdictionJACKSON GA
Township / Civil DivisionCOMMERCE
Census Block Group3
Census Block3042
Census Tract10400

Owner

438 Ridge Mill 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 Address438 RIDGE MILL LN, COMMERCE, GA 30529-7240
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
May 19, 2025Limited Warranty Deed, Transfer · Conventional Mortgage
US BANK
Nov 7, 2019Quit Claim Deed, Transfer
NOT AVAILABLE
Apr 21, 2017Grant Deed, Transfer · FHA Mortgage
FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 19, 2025 · Amount on File
Deed SaleMay 19, 2025 · Amount on File
Prior SaleApr 20, 2017 · Amount on File
Deed Book / Page115M / 385
Prior Transfer DateNov 5, 2019
Prior Transfer Doc00086U0638
Record UpdatedOct 29, 2026

May 2025: Limited Warranty Deed, Transfer

Document TypeLimited Warranty Deed
JurisdictionJACKSON GA
Recording DateMay 19, 2025
Property Address438 RIDGE MILL LN, COMMERCE, GA 30529-7240
Document Number00115M0385
Book / Page115M / 385
Instrument DateMay 16, 2025
Transaction TypeTransfer
Record UpdatedFeb 23, 2026

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4.15
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address438 RIDGE MILL LN, COMMERCE, GA 30529-7240

Mortgage

Document Number000115M389
DateMay 19, 2025
Instrument115M/389
Lender
NameUS BANK
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term356 Months
DueJan 1, 2055

November 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionJACKSON GA
Recording DateNov 7, 2019
Property Address438 RIDGE MILL LN, COMMERCE, GA 30529-7240
Document Number00086U0638
Book / Page00086U / 000638
Instrument DateNov 5, 2019
Transaction TypeTransfer
Record UpdatedNov 21, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address438 RIDGE MILL LN COMMERCE GA 305297240, COMMERCE, GA 30529-7240

April 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionJACKSON GA
Recording DateApr 21, 2017
Property Address438 RIDGE MILL LN, COMMERCE, GA 30529-7240
Document Number00076T0076
Book / Page00076T / 000076
Instrument DateApr 20, 2017
Transaction TypeTransfer
Record UpdatedMay 26, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$269.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address438 RIDGE MILL LN COMMERCE GA 305297240, COMMERCE, GA 30529-7240

Mortgage

Document Number76T0077
DateApr 21, 2017
Book Page00076T/000077
Lender
NameFAIRWAY INDEPENDENT MTG
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueApr 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 438 Ridge Mill Ln was $4,149 with a homeowner's exemption, down 1% from the year before.

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

Property Jurisdictions

TypeName
StateGeorgia
CountyJackson County
Unified School DistrictJackson County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$165,240 (-) Land $24,000 Building $141,240$413,100 (-) Land $60,000 Building $353,100
2025$4,149.00 (-1.05%) Homeowner's exemption$165,240 (-) Land $24,000 Building $141,240$413,100 (-) Land $60,000 Building $353,100
2024$4,193.00 (+22.85%) Homeowner's exemption$165,240 (+10.19%) Land $24,000 Building $141,240$413,100 (+10.19%) Land $60,000 Building $353,100
2023$3,413.00 (-6.24%) Homeowner's exemption$149,960 (+19.05%) Land $24,000 Building $125,960$374,900 (+19.05%) Land $60,000 Building $314,900
2022$3,640.00 Homeowner's exemption$125,960 Land $24,000 Building $101,960$314,900 Land $60,000 Building $254,900

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 438 Ridge Mill 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 438 Ridge Mill 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
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemJACKSON COUNTY WATER & SEWER AUTHORITY
serves 33,601 people · EPA ID GA1570117
Water SourcePurchased surface water from several systems
Last State InspectionJun 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Oct 2022
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 83 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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