Jackson County property record for 732 Oconee Ln, Commerce, GA 30529 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,450 sqft · built 2017 |
| Lot Size | 1.17 acres (50,965 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,900 (Oct 2017) |
| Tax Bill | $4,348 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Oct 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 035A 040 |
| Primary APN | 035A 040 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,450 sqft Heated Area |
| 1st Floor Area | 2,450 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Brick |
| 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 | 440 sqft |
| Porch | Open Porch |
| Porch Area | 245 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 34593 |
|---|---|
| Old Parcel Number | 035A 040 |
| Street Address | 732 OCONEE LN |
| City | COMMERCE |
| State | GA |
| Zip | 30529-4194 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 40 OCONEE POINTE SUBD PH II |
| Legal Subdivision | OCONEE POINTE PHASE II |
| Legal Phase | 2 |
| Legal Lot Number | 40 |
| Jurisdiction | JACKSON GA |
| Township / Civil Division | COMMERCE |
| Census Block Group | 1 |
| Census Block | 1130 |
| Census Tract | 10300 |
Source: Jackson County records · APN 035A 040
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 | 732 OCONEE LN, COMMERCE, GA 30529-4194 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 09, 2025 | Deed of Trust, Mortgage PINNACLE BANK |
| Oct 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE |
| Jul 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FIN'L SVCS INC |
| Jan 17, 2017 | Deed of Trust, Mortgage CHATTAHOOCHEE BK/GA |
| Jan 31, 2017 | Grant Deed, Transfer CHATTAHOOCHEE BK/GA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 03, 2017 · Amount on Record |
| Deed Sale | Oct 03, 2017 · Amount on Record |
| Prior Sale | Jan 17, 2017 · Amount on Record |
| Deed Document Number | 000078R738 |
| Deed Book / Page | 78R / 738 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 732 OCONEE LN, COMMERCE, GA 30529-4194 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 732 OCONEE LN, COMMERCE, GA 30529-4194 |
| Document Number | 00116Z0000000098 |
|---|---|
| Date | Sep 09, 2025 |
| Book Page | 000000116Z/0000000098 |
| Name | PINNACLE BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jan 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 732 OCONEE LN, COMMERCE, GA 30529-4194 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00078R0739 |
|---|---|
| Date | Oct 24, 2017 |
| Book Page | 78R/739 |
| Name | GUILD MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 732 OCONEE LN, COMMERCE, GA 30529-4194 |
| Document Number | 00090U0319 |
| Instrument Date | Jul 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 732 OCONEE LN COMMERCE GA 305294194, COMMERCE, GA 30529-4194 |
| Document Number | 00090U0319 |
|---|---|
| Date | Aug 04, 2020 |
| Book Page | 00090U/000319 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 03, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON GA |
| Property Address | 732 OCONEE LN, COMMERCE, GA 30529-4194 |
| Document Number | 00075Y0197 |
| Book / Page | 00075Y / 000197 |
| Instrument Date | Jan 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1031 APALACHEE DOWNS DR BOGART GA 306222679, BOGART, GA 30622-2679 |
| Investor | Possibly a Property Investor |
| Document Number | 00075Y0197 |
|---|---|
| Date | Jan 31, 2017 |
| Book Page | 00075Y/000197 |
| Name | CHATTAHOOCHEE BK/GA |
|---|---|
| Type | Bank |
| Address | GAINESVILLE, GA 30501-4528 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Jan 30, 2018 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | JACKSON GA |
| Recording Date | Jan 31, 2017 |
| Property Address | 732 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 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $120.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Number | 75Y0176 |
|---|---|
| Date | Jan 31, 2017 |
| Book Page | 00075Y/000176 |
| Name | CHATTAHOOCHEE BK/GA |
|---|---|
| Type | Bank |
| Address | GAINESVILLE, GA 30501-4528 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Jan 30, 2018 |
Source: Jackson County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Jackson County |
| Municipality | Commerce City |
| Unified School District | Commerce City 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 | $4,348.00 (-3.16%) Homeowner's exemption | $163,320 (-) Land $20,000 Building $143,320 | $408,300 (-) Land $50,000 Building $358,300 |
| 2024 | $4,490.00 (+16.71%) Homeowner's exemption | $163,320 (+10.8%) Land $20,000 Building $143,320 | $408,300 (+10.8%) Land $50,000 Building $358,300 |
| 2023 | $3,847.00 (-0.65%) Homeowner's exemption | $147,400 (+22.71%) Land $20,000 Building $127,400 | $368,500 (+22.71%) Land $50,000 Building $318,500 |
| 2022 | $3,872.00 Homeowner's exemption | $120,120 Land $20,000 Building $100,120 | $300,300 Land $50,000 Building $250,300 |
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 1,667 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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