45 Waterwheel Dr, Commerce, GA 30529 Property Records

Jackson County property record for 45 Waterwheel Dr, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,528 sqft · built 2003
Lot Size	0.88 acres (38,333 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Oct 2020)
Tax Bill	$3,111 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`024B 002`

Property Details

APN / Parcel Number

Primary APN	`024B 002`
Alternative APN	`21841`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,528 sqft Heated Area
1st Floor Area	1,528 sqft
Basement Area	1,528 sqft
Unfinished Basement	1,528 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2012
Exterior Material	Fiber Cement Siding
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	38,333 sqft (0.88 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Slab
Porch Area	224 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	21841
Street Address	45 WATERWHEEL DR
City	COMMERCE
State	GA
Zip	30529-7202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 2 OLD HOODS MILL SUBDIVISION
Legal Subdivision	OLD HOODS MILL SUBDIVISION
Legal Lot Number	2
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3042
Census Tract	10400

Owner

45 Waterwheel Dr is owned and occupied by an individual who bought it in October 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	45 WATERWHEEL DR, COMMERCE, GA 30529-7202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2020 · Amount on File
Deed Sale	Oct 20, 2020 · Amount on File
Prior Sale	Jun 1, 2007 · Amount on File
Deed Document Number	20204062
Deed Book / Page	92E / 428
Prior Transfer Date	Nov 21, 2013
Prior Transfer Doc	00068O0063
Record Updated	Oct 29, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Oct 23, 2020
Property Address	45 WATERWHEEL DR, COMMERCE, GA 30529-7202
Document Number	00092E0428
Book / Page	00092E / 000428
Instrument Date	Oct 19, 2020
Transaction Type	Transfer
Record Updated	Nov 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 WATERWHEEL DR COMMERCE GA 305297202, COMMERCE, GA 30529-7202

Mortgage

Document Number	92E0429
Date	Oct 23, 2020
Book Page	00092E/000429

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 45 Waterwheel Dr was $3,111 with a homeowner's exemption, down 2.5% from the year before.

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		$126,760 (-) Land $28,000 Building $98,760	$316,900 (-) Land $70,000 Building $246,900
2025	$3,111.00 (-2.48%) Homeowner's exemption	$126,760 (-) Land $28,000 Building $98,760	$316,900 (-) Land $70,000 Building $246,900
2024	$3,190.00 (+6.62%)	$126,760 (+9.58%) Land $28,000 Building $98,760	$316,900 (+9.58%) Land $70,000 Building $246,900
2023	$2,992.00 (+7.51%)	$115,680 (+19.16%) Land $28,000 Building $87,680	$289,200 (+19.16%) Land $70,000 Building $219,200
2022	$2,783.00	$97,080 Land $28,000 Building $69,080	$242,700 Land $70,000 Building $172,700

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

FEMA maps place 45 Waterwheel Dr 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 45 Waterwheel Dr is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 84% 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	JACKSON COUNTY WATER & SEWER AUTHORITY serves 33,601 people · EPA ID GA1570117
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2022
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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Windstream DSL	200 / 20