521 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 521 Oconee Ln, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,292 sqft · built 2003
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Aug 2020)
Tax Bill	$4,616 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036 046`

Property Details

APN / Parcel Number

Primary APN	`036 046`
Alternative APN	`11604`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,292 sqft Heated Area
1st Floor Area	2,292 sqft
Basement Area	688 sqft
Finished Basement	688 sqft
Unfinished Basement	1,146 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Slab
Porch Area	274 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	11604
Street Address	521 OCONEE LN
City	COMMERCE
State	GA
Zip	30529-4183
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LOT 17 OCONEE POINTE PHASE 1
Legal Subdivision	OCONEE POINTE
Legal Phase	1
Legal Lot Number	17
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1130
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	521 OCONEE LN, COMMERCE, GA 30529-4183
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2020 · Amount on Record
Deed Sale	Aug 28, 2020 · Amount on Record
Prior Sale	Aug 15, 2016 · Amount on Record
Deed Document Number	20203472
Deed Book / Page	91N / 46
Record Updated	Oct 29, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Sep 16, 2020
Property Address	521 OCONEE LN, COMMERCE, GA 30529-4183
Document Number	00091N0046
Book / Page	00091N / 000046
Instrument Date	Aug 28, 2020
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	521 OCONEE LN COMMERCE GA 305294183, COMMERCE, GA 30529-4183

Mortgage

Document Number	91N0048
Date	Sep 16, 2020
Book Page	00091N/000048

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

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		$172,880 (-) Land $20,000 Building $152,880	$432,200 (-) Land $50,000 Building $382,200
2025	$4,616.00 (-3.27%)	$172,880 (-) Land $20,000 Building $152,880	$432,200 (-) Land $50,000 Building $382,200
2024	$4,772.00 (+2.84%)	$172,880 (+10.31%) Land $20,000 Building $152,880	$432,200 (+10.31%) Land $50,000 Building $382,200
2023	$4,640.00 (+9.28%)	$156,720 (+19.67%) Land $20,000 Building $136,720	$391,800 (+19.67%) Land $50,000 Building $341,800
2022	$4,246.00	$130,960 Land $20,000 Building $110,960	$327,400 Land $50,000 Building $277,400

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

Nearby Properties on Oconee Ln

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