637 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 637 Oconee Ln, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,383 sqft · built 2020
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$304,900 (Mar 2021)
Tax Bill	$4,545 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Mar 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`035A 003`

Property Details

APN / Parcel Number

Primary APN	`035A 003`
Alternative APN	`34556`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,383 sqft Heated Area
1st Floor Area	2,311 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	50,965 sqft (1.17 acres)
Garage Type	Attached
Garage Area	576 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	34556
Street Address	637 OCONEE LN
City	COMMERCE
State	GA
Zip	30529-4198
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 3 OCONEE POINTE SUBD PH II
Legal Subdivision	OCONEE POINTE PHASE II
Legal Phase	2
Legal Lot Number	3
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1130
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	637 OCONEE LN, COMMERCE, GA 30529-4198
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOMESTAR FINANCIAL
Mar 24, 2021	Warranty Deed, Transfer
Oct 19, 2020	Deed of Trust, Construction Loan · Line of Credit PEOPLES BK
Dec 31, 2019	Grant Deed, Transfer ATTORNEY ONLY
Feb 9, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Prior Sale	Dec 20, 2019 · Amount on Record
Deed Document Number	20211358
Deed Book / Page	94Z / 32
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Mar 24, 2021
Property Address	637 OCONEE LN, COMMERCE, GA 30529-4198
Document Number	00094Z0032
Book / Page	94Z / 32
Instrument Date	Mar 24, 2021
Instrument	2021-001358
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 OCONEE LN, COMMERCE, GA 30529-4198

Mortgage

Document Number	00094Z0000000033
Date	Mar 26, 2021
Book Page	000000094Z/0000000033

Lender

Name	HOMESTAR FINANCIAL

Agreement

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

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Mar 24, 2021
Property Address	637 OCONEE LN, COMMERCE, GA 30529-4198
Document Number	00094Z0047
Book / Page	94Z / 47
Instrument Date	Mar 24, 2021
Instrument	2021-001359
Transaction Type	Transfer
Record Updated	Apr 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 OCONEE LN, COMMERCE, GA 30529-4198

October 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Recording Date	Oct 19, 2020
Property Address	637 OCONEE LN, COMMERCE, GA 30529-4198
Document Number	00092B0533
Book / Page	00092B / 000533
Instrument Date	Oct 13, 2020
Transaction Type	Construction Loan
Record Updated	Nov 6, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1031 APALACHEE DOWNS DR BOGART GA 306222679, BOGART, GA 30622-2679

Mortgage

Document Number	92B0533
Date	Oct 19, 2020
Book Page	00092B/000533

Lender

Name	PEOPLES BK
Type	Bank
Address	EATONTON, GA 31024

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 18, 2021

Interest

Rate Type	Adjustable Rate

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Dec 31, 2019
Property Address	637 OCONEE LN, COMMERCE, GA 30529-4198
Document Number	00087M0001
Book / Page	00087M / 000001
Instrument Date	Dec 20, 2019
Transaction Type	Transfer
Record Updated	Jan 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$140.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	637 OCONEE LN COMMERCE GA 305294198, COMMERCE, GA 30529-4198
Investor	Possibly a Property Investor

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Feb 9, 2017
Property Address	637 OCONEE LN, COMMERCE, GA 30529-4198
Document Number	00076A0450
Book / Page	00076A / 000450
Instrument Date	Feb 6, 2017
Transaction Type	Transfer
Record Updated	Feb 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$27.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

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		$170,720 (-) Land $20,000 Building $150,720	$426,800 (-) Land $50,000 Building $376,800
2025	$4,545.00 (-3.19%) Homeowner's exemption	$170,720 (-) Land $20,000 Building $150,720	$426,800 (-) Land $50,000 Building $376,800
2024	$4,695.00 (+17.4%) Homeowner's exemption	$170,720 (+11.93%) Land $20,000 Building $150,720	$426,800 (+11.93%) Land $50,000 Building $376,800
2023	$3,999.00 (+1.7%) Homeowner's exemption	$152,520 (+24%) Land $20,000 Building $132,520	$381,300 (+24%) Land $50,000 Building $331,300
2022	$3,932.00 Homeowner's exemption	$123,000 Land $20,000 Building $103,000	$307,500 Land $50,000 Building $257,500

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	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 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

5G (outdoors only) and 4G LTE

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