Jackson County property record for 545 Oconee Ln, Commerce, GA 30529 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,628 sqft · built 2004 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Jul 2013) |
| Tax Bill | $4,069 (2025) |
| Deeds & Mortgages | Nov 2024 Mortgage Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 036 045 |
| Primary APN | 036 045 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,628 sqft Heated Area |
| 1st Floor Area | 2,628 sqft |
| Basement Area | 2,628 sqft |
| Unfinished Basement | 2,628 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 65,340 sqft (1.5 acres) |
| Garage Type | Attached |
| Garage Area | 473 sqft |
| Porch | Slab |
| Porch Area | 21 sqft |
| Deck Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 11603 |
|---|---|
| Street Address | 545 OCONEE LN |
| City | COMMERCE |
| State | GA |
| Zip | 30529-4183 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 OCONEE POINTE PHASE 1 |
| Legal Subdivision | SURVEY FOR OCONEE POINTE PHASE I |
| Legal Phase | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | JACKSON GA |
| Township / Civil Division | COMMERCE |
| Census Block Group | 1 |
| Census Block | 1108 |
| Census Tract | 10300 |
Source: Jackson County records · APN 036 045
Assessment roll updated February 23, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 545 OCONEE LN, COMMERCE, GA 30529-4183 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 07, 2024 | Deed of Trust, Mortgage · FHA Mortgage REGIONS BANK |
| Feb 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 24, 2013 · Amount on Record |
| Deed Sale | Jul 24, 2013 · Amount on Record |
| Prior Sale | Apr 27, 2013 · Amount on Record |
| Deed Document Number | 20131803 |
| Deed Book / Page | 66D / 318 |
| Prior Transfer Date | Sep 08, 2011 |
| Prior Transfer Doc | 00061O0241 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 545 OCONEE LN, COMMERCE, GA 30529-4183 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 545 OCONEE LN, COMMERCE, GA 30529-4183 |
| Document Number | 00113G0000000027 |
|---|---|
| Date | Nov 07, 2024 |
| Book Page | 000000113G/0000000027 |
| Name | REGIONS BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 545 OCONEE LN, COMMERCE, GA 30529-4183 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 545 OCONEE LN, COMMERCE, GA 30529-4183 |
| Document Number | 00100Z0000000065 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 000000100Z/0000000065 |
| Name | FIGURE LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
Source: Jackson County records · Assessment roll updated February 23, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Jackson County |
| Unified School District | Jackson County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,069.00 (-1.07%) Homeowner's exemption | $165,240 (-) Land $20,000 Building $145,240 | $413,100 (-) Land $50,000 Building $363,100 |
| 2024 | $4,113.00 (+20.55%) Homeowner's exemption | $165,240 (+10.22%) Land $20,000 Building $145,240 | $413,100 (+10.22%) Land $50,000 Building $363,100 |
| 2023 | $3,412.00 (-3.67%) Homeowner's exemption | $149,920 (+19.59%) Land $20,000 Building $129,920 | $374,800 (+19.59%) Land $50,000 Building $324,800 |
| 2022 | $3,542.00 Homeowner's exemption | $125,360 Land $20,000 Building $105,360 | $313,400 Land $50,000 Building $263,400 |
Source: FEMA National Flood Hazard Layer, Jackson County (13157C), updated March 14, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Moderate above 40% of the US · above 26% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 1,695 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 46 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| TruVista Communications | Fiber | 5,000 / 5,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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