484 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 484 Oconee Ln, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,487 sqft · built 2004
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$264,584 (Mar 2019)
Tax Bill	$4,648 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036 042`

Property Details

APN / Parcel Number

Primary APN	`036 042`
Alternative APN	`11600`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,487 sqft Heated Area
1st Floor Area	1,656 sqft
Attic	Attic
Attic Area	310 sqft
Basement Area	1,360 sqft
Finished Basement	1,360 sqft
Unfinished Basement	1,600 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	98 sqft
Deck Area	213 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	11600
Street Address	484 OCONEE LN
City	COMMERCE
State	GA
Zip	30529-4151
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LOT 13 OCONEE POINTE PHASE 1
Legal Subdivision	OCONEE POINTE PH I
Legal Phase	1
Legal Lot Number	13
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1105
Census Tract	10300

Owner

Source: Jackson County records, as of October 20, 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	2 Individual Names on Record
Mailing Address	484 OCONEE LN, COMMERCE, GA 30529-4151
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DELTA COMMUNITY CREDIT UNION
Jul 30, 2020	Deed of Trust, Mortgage · Conventional with PMI SOUTHEAST MTG/GA
Mar 22, 2019	Warranty Deed, Transfer · FHA Mortgage SOUTHEAST MTG/GA
Mar 22, 2019	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2019 · Amount on Record
Deed Sale	Mar 18, 2019 · Amount on Record
Prior Sale	Jul 31, 2013 · Amount on Record
Deed Document Number	2019889
Deed Book / Page	83W / 542
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	484 OCONEE LN, COMMERCE, GA 30529-4151
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	484 OCONEE LN, COMMERCE, GA 30529-4151

Mortgage

Document Number	00109D0000000521
Date	Dec 12, 2023
Book Page	000000109D/0000000521

Lender

Name	DELTA COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2039

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	484 OCONEE LN, COMMERCE, GA 30529-4151
Document Number	00090W0413
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	484 OCONEE LN COMMERCE GA 305294151, COMMERCE, GA 30529-4151

Mortgage

Document Number	00090W0413
Date	Aug 7, 2020
Book Page	00090W/000413

Lender

Name	SOUTHEAST MTG/GA
Type	Mortgage Company
Address	DULUTH, GA 30096

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Mar 22, 2019
Property Address	484 OCONEE LN, COMMERCE, GA 30529-4151
Document Number	00083W0542
Book / Page	00083W / 000542
Instrument Date	Mar 18, 2019
Transaction Type	Transfer
Record Updated	Apr 19, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	484 OCONEE LN COMMERCE GA 305294151, COMMERCE, GA 30529-4151

Mortgage

Document Number	83W0543
Date	Mar 22, 2019
Book Page	00083W/000543

Lender

Name	SOUTHEAST MTG/GA
Type	Mortgage Company
Address	DULUTH, GA 30096

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2049

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON GA
Recording Date	Mar 22, 2019
Property Address	484 OCONEE LN, COMMERCE, GA 30529-4151
Document Number	00083W0556
Book / Page	00083W / 000556
Instrument Date	Mar 18, 2019
Transaction Type	Transfer
Record Updated	Apr 19, 2019
Title Company	OTHER

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	484 OCONEE LN COMMERCE GA 305294151, COMMERCE, GA 30529-4151

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		$174,080 (-) Land $20,000 Building $154,080	$435,200 (-) Land $50,000 Building $385,200
2025	$4,648.00 (-3.27%)	$174,080 (-) Land $20,000 Building $154,080	$435,200 (-) Land $50,000 Building $385,200
2024	$4,805.00 (+3.05%)	$174,080 (+10.51%) Land $20,000 Building $154,080	$435,200 (+10.51%) Land $50,000 Building $385,200
2023	$4,663.00 (+9.46%)	$157,520 (+19.88%) Land $20,000 Building $137,520	$393,800 (+19.88%) Land $50,000 Building $343,800
2022	$4,260.00	$131,400 Land $20,000 Building $111,400	$328,500 Land $50,000 Building $278,500

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

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

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

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000

Cell Coverage

4G LTE only, no 5G reported

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