631 State St, Commerce, GA 30529 Property Records

Jackson County property record for 631 State St, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,596 sqft · built 1960
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,000 (Jan 2025)
Tax Bill	$2,823 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C05 093`

Property Details

APN / Parcel Number

Primary APN	`C05 093`
Alternative APN	`8621`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,596 sqft Heated Area
1st Floor Area	1,068 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	53,579 sqft (1.23 acres)
Lot Dimensions	213 ft deep x 255 ft wide
Garage Type	Attached
Garage Area	690 sqft
Porch	Slab
Porch Area	78 sqft
Deck Area	676 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8621
Street Address	631 STATE ST
City	COMMERCE
State	GA
Zip	30529-1522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PLAT BK 5 PG 267
Legal Subdivision	WINDY HILL
Legal Block	5
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3009
Census Tract	10300

Owner

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	2 Individual Names on Record
Mailing Address	631 STATE ST, COMMERCE, GA 30529-1522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL
Nov 22, 2019	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2025 · Amount on Record
Deed Sale	Jan 30, 2025 · Amount on Record
Prior Sale	Jun 25, 2004
Deed Book / Page	114D / 743
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	631 STATE ST, COMMERCE, GA 30529-1522
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 STATE ST, COMMERCE, GA 30529-1522

Mortgage

Document Number	00098B0000000220
Date	Sep 2, 2021
Book Page	000000098B/0000000220

Lender

Name	EVERETT FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	631 STATE ST, COMMERCE, GA 30529-1522
Document Number	00087D0533
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 23, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 STATE ST COMMERCE GA 305291522, COMMERCE, GA 30529-1522

Mortgage

Document Number	00087D0533
Date	Dec 5, 2019
Book Page	00087D/000533

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2049

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		$111,560 (-) Land $52,520 Building $59,040	$278,900 (-) Land $131,300 Building $147,600
2025	$2,823.00 (+13.78%) Homeowner's exemption	$111,560 (+23.24%) Land $52,520 Building $59,040	$278,900 (+23.24%) Land $131,300 Building $147,600
2024	$2,481.00 (+26.45%) Homeowner's exemption	$90,520 (+8.12%) Land $31,480 Building $59,040	$226,300 (+8.12%) Land $78,700 Building $147,600
2023	$1,962.00 (-5.13%) Homeowner's exemption	$83,720 (+29.84%) Land $31,480 Building $52,240	$209,300 (+29.84%) Land $78,700 Building $130,600
2022	$2,068.00 Homeowner's exemption	$64,480 Land $23,600 Building $40,880	$161,200 Land $59,000 Building $102,200

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Claims	1 (2004)
Most Recent Claim	Sep 2004 · other causes

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 64% of the US · lower than 87% of Georgia
Wildfire Likelihood	0.03% 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	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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Windstream Cable · Fiber in parts of the area	1,000 / 25
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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