78 Orchard Dr, Commerce, GA 30529 Property Records

Jackson County property record for 78 Orchard Dr, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,696 sqft · built 1984
Lot Size	0.74 acres (32,234 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Sep 2020)
Tax Bill	$2,480 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C17 053`

Property Details

APN / Parcel Number

Primary APN	`C17 053`
Alternative APN	`9564`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,696 sqft Heated Area
1st Floor Area	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1988
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Metal
Lot Area	32,234 sqft (0.74 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	384 sqft
Patio Area	96 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9564
Street Address	78 ORCHARD DR
City	COMMERCE
State	GA
Zip	30529-1654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOTS 4 & 5 BLK A PIEDMONT HILLS
Legal Subdivision	PIEDMONT HILLS
Legal Block	A
Legal Lot Number	4,5
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	2
Census Block	2004
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 File
Mailing Address	78 ORCHARD DR, COMMERCE, GA 30529-1654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Sep 22, 2020	Warranty Deed, Transfer · VA Mortgage STEARNS LNDG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2020 · Amount on File
Deed Sale	Sep 15, 2020 · Amount on File
Deed Document Number	20203600
Deed Book / Page	91Q / 261
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	78 ORCHARD DR, COMMERCE, GA 30529-1654
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 ORCHARD DR, COMMERCE, GA 30529-1654

Mortgage

Document Number	00097B0000000485
Date	Jul 14, 2021
Book Page	000000097B/0000000485

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Sep 22, 2020
Property Address	78 ORCHARD DR, COMMERCE, GA 30529-1654
Document Number	00091Q0261
Book / Page	00091Q / 000261
Instrument Date	Sep 15, 2020
Transaction Type	Transfer
Record Updated	Oct 8, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	78 ORCHARD DR COMMERCE COMMERCE GA 30529, COMMERCE, GA 30529

Mortgage

Document Number	91Q0263
Date	Sep 22, 2020
Book Page	00091Q/000263

Lender

Name	STEARNS LNDG LLC
Address	LEWISVILLE, TX 75057

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 21, 2050

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		$93,396 (-) Land $28,800 Building $64,596	$233,490 (-) Land $72,000 Building $161,490
2025	$2,480.00 (-3.13%) Homeowner's exemption	$93,396 (-) Land $28,800 Building $64,596	$233,490 (-) Land $72,000 Building $161,490
2024	$2,560.00 (+39.66%) Homeowner's exemption	$93,396 (+17.69%) Land $28,800 Building $64,596	$233,490 (+17.69%) Land $72,000 Building $161,490
2023	$1,833.00 (-5.66%) Homeowner's exemption	$79,356 (+30.87%) Land $22,400 Building $56,956	$198,390 (+30.87%) Land $56,000 Building $142,390
2022	$1,943.00 Homeowner's exemption	$60,636 Land $16,000 Building $44,636	$151,590 Land $40,000 Building $111,590

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 · 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 Policies	1 in force

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 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.01% 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 206 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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