45 Smith Overhead Bridge Rd, Commerce, GA 30530 Property Records

Jackson County property record for 45 Smith Overhead Bridge Rd, Commerce, GA 30530

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,981 sqft · built 1967
Lot Size	1.23 acres (53,579 sqft)
Owner	Individual Name on Record
Last Sale	$129,500 (Oct 2002)
Tax Bill	$2,814 (2025)
Deeds & Mortgages	May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013 013A1`

Property Details

APN / Parcel Number

Primary APN	`013 013A1`
Alternative APN	`22729`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,981 sqft Heated Area
1st Floor Area	1,741 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1967
Effective Year Built	Effective 2000
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	53,579 sqft (1.23 acres)
Garage Type	Detached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	111 sqft
Deck Area	190 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22729
Street Address	45 SMITH OVERHEAD BRIDGE RD
City	COMMERCE
State	GA
Zip	30530-5560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	001
Legal Description	1.23 AC TRACT 1 PLAT BK 59 PG 290
Legal Tract	1
Legal Block	59
Jurisdiction	JACKSON GA
Township / Civil Division	NICHOLSON
Census Block Group	5
Census Block	5012
Census Tract	10500

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	45 OVERHEAD BRIDGE RD, COMMERCE, GA 30529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2002 · Amount on Record
Deed Sale	Oct 29, 2002 · Amount on Record
Deed Book / Page	28C / 351
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	45 SMITH OVERHEAD BRIDGE RD, COMMERCE, GA 30530-5560
Transaction Type	Mortgage
Record Updated	Jun 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SMITH OVERHEAD BRIDGE RD, COMMERCE, GA 30530-5560

Mortgage

Document Number	00106J0000000245
Date	May 4, 2023
Book Page	000000106J/0000000245

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

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

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
2026		$113,080 (-) Land $38,880 Building $74,200	$282,700 (-) Land $97,200 Building $185,500
2025	$2,814.00 (-1.09%) Homeowner's exemption	$113,080 (-) Land $38,880 Building $74,200	$282,700 (-) Land $97,200 Building $185,500
2024	$2,845.00 (+26.05%) Homeowner's exemption	$113,080 (+8.77%) Land $38,880 Building $74,200	$282,700 (+8.77%) Land $97,200 Building $185,500
2023	$2,257.00 (+23.54%) Homeowner's exemption	$103,960 (+60.73%) Land $38,880 Building $65,080	$259,900 (+60.73%) Land $97,200 Building $162,700
2022	$1,827.00 Homeowner's exemption	$64,680 Land $13,200 Building $51,480	$161,700 Land $33,000 Building $128,700

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 62% of the US · lower than 80% 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	NICHOLSON WATER AUTHORITY serves 3,218 people · EPA ID GA1570004
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Windstream Cable	1,000 / 25
AT&T Fixed Wireless	100 / 20