656 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 656 Oconee Ln, Commerce, GA 30529 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,501 sqft · built 2017
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$229,900 (Jan 2018)
Tax Bill	$4,206 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Feb 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`035A 042`

Property Details

APN / Parcel Number

Primary APN	`035A 042`
Alternative APN	`34595`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,501 sqft Heated Area
1st Floor Area	2,539 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Open Porch
Porch Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	34595
Old Parcel Number	035A 042
Street Address	656 OCONEE LN
City	COMMERCE
State	GA
Zip	30529-4194
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 42 OCONEE POINTE SUBD PH II
Legal Subdivision	OCONEE POINTE PHASE II
Legal Phase	2
Legal Lot Number	42
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1130
Census Tract	10300

Owner

Source: Jackson County records · APN 035A 042

Assessment roll updated July 1, 2025 · Last verified February 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	656 OCONEE LN, COMMERCE, GA 30529-4194
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2020	Deed of Trust, Mortgage · Conventional with PMI FAIRWAY INDEPENDENT MTG
Feb 05, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage NORTHPOINT MTG
Jan 31, 2017	Grant Deed, Transfer CHATTAHOOCHEE BK/GA
Jan 17, 2017	Deed of Trust, Mortgage CHATTAHOOCHEE BK/GA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 29, 2018 · Amount on Record
Deed Sale	Jan 29, 2018 · Amount on Record
Prior Sale	Jan 17, 2017 · Amount on Record
Deed Document Number	0000079Q76
Deed Book / Page	79Q / 76
Last Transfer Date	Feb 05, 2018
Transfer Doc	00079Q0076
Record Updated	Jun 08, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	656 OCONEE LN, COMMERCE, GA 30529-4194
Document Number	00088V0469
Instrument Date	Mar 30, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 OCONEE LN COMMERCE GA 305294194, COMMERCE, GA 30529-4194

Mortgage

Document Number	00088V0469
Date	Apr 06, 2020
Book Page	00088V/000469

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 05, 2050

February 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Feb 05, 2018
Property Address	656 OCONEE LN, COMMERCE, GA 30529-4194
Document Number	00079Q0076
Book / Page	00079Q / 000076
Instrument Date	Jan 29, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 04, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$229.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	656 OCONEE LN COMMERCE GA 305294194, COMMERCE, GA 30529-4194

Mortgage

Document Number	79Q0077
Date	Feb 05, 2018
Book Page	00079Q/000077

Lender

Name	NORTHPOINT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 04, 2048

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Jan 31, 2017
Property Address	656 OCONEE LN, COMMERCE, GA 30529-4194
Document Number	00075Y0154
Book / Page	00075Y / 000154
Instrument Date	Jan 17, 2017
Transaction Type	Transfer
Record Updated	Feb 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Mortgage

Document Number	75Y0176
Date	Jan 31, 2017
Book Page	00075Y/000176

Lender

Name	CHATTAHOOCHEE BK/GA
Type	Bank
Address	GAINESVILLE, GA 30501-4528

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 30, 2018

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	656 OCONEE LN, COMMERCE, GA 30529-4194
Document Number	00075Y0239
Instrument Date	Jan 17, 2017
Transaction Type	Mortgage
Record Updated	Jan 18, 2019
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
Investor	Possibly a Property Investor

Mortgage

Document Number	00075Y0239
Date	Jan 31, 2017
Book Page	00075Y/000239

Lender

Name	CHATTAHOOCHEE BK/GA
Type	Bank
Address	GAINESVILLE, GA 30501-4528

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 30, 2018

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated July 1, 2025 · Last verified February 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

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	$4,206.00 (-3.15%) Homeowner's exemption	$158,000 (-) Land $20,000 Building $138,000	$395,000 (-) Land $50,000 Building $345,000
2024	$4,343.00 (+18.34%) Homeowner's exemption	$158,000 (+11.74%) Land $20,000 Building $138,000	$395,000 (+11.74%) Land $50,000 Building $345,000
2023	$3,670.00 (-1.4%) Homeowner's exemption	$141,400 (+22.45%) Land $20,000 Building $121,400	$353,500 (+22.45%) Land $50,000 Building $303,500
2022	$3,722.00 Homeowner's exemption	$115,480 Land $20,000 Building $95,480	$288,700 Land $50,000 Building $238,700

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 26% of Georgia
Wildfire Likelihood	About 1 in 1,667 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

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.

Mobile Coverage

5G (outdoors only) and 4G LTE

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