834 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 834 Oconee Ln, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,404 sqft · built 2019
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,900 (Dec 2019)
Tax Bill	$4,588 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Dec 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`035A 038`

Property Details

APN / Parcel Number

Primary APN	`035A 038`
Alternative APN	`34591`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,404 sqft Heated Area
1st Floor Area	2,061 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	53,143 sqft (1.22 acres)
Garage Type	Attached
Garage Area	446 sqft
Porch	Open Porch
Porch Area	278 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	34591
Old Parcel Number	035A 038
Street Address	834 OCONEE LN
City	COMMERCE
State	GA
Zip	30529-4195
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 38 OCONEE POINTE SUBD PH II
Legal Subdivision	OCONEE POINTE PHASE II
Legal Phase	2
Legal Lot Number	38
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1130
Census Tract	10300

Owner

Source: Jackson County records, as of February 20, 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 Record
Mailing Address	834 OCONEE LN, COMMERCE, GA 30529-4195
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2024	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
Dec 9, 2019	Grant Deed, Subdivision Related Transfer HOMESTAR FIN'L
Jul 29, 2019	Loan Modification, Mortgage · Conventional with PMI ENTEGRA BK
Apr 8, 2019	Grant Deed, Construction Loan · Line of Credit ENTEGRA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2019 · Amount on Record
Deed Sale	Dec 5, 2019 · Amount on Record
Prior Sale	Jun 25, 2008
Deed Document Number	000087E644
Deed Book / Page	87E / 644
Last Transfer Date	Dec 9, 2019
Transfer Doc	00087E0644
Record Updated	Jun 8, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	834 OCONEE LN, COMMERCE, GA 30529-4195
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	834 OCONEE LN, COMMERCE, GA 30529-4195

Mortgage

Document Number	00113Q0000000212
Date	Dec 13, 2024
Book Page	000000113Q/0000000212

Lender

Name	REGIONS BANK

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	252 Months
Due	Jan 1, 2045

December 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Dec 9, 2019
Property Address	834 OCONEE LN, COMMERCE, GA 30529-4195
Document Number	00087E0644
Book / Page	00087E / 000644
Instrument Date	Dec 5, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$269.90
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	834 OCONEE LN COMMERCE GA 305294195, COMMERCE, GA 30529-4195

Mortgage

Document Number	87E0645
Date	Dec 9, 2019
Book Page	00087E/000645

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2049

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON GA
Property Address	834 OCONEE LN, COMMERCE, GA 30529-4195
Document Number	00085M0778
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	NOT AVAILABLE

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	00085M0778
Date	Aug 1, 2019
Book Page	00085M/000778

Lender

Name	ENTEGRA BK
Address	FRANKLIN, NC 28734

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	12 Months
Due	Jul 31, 2020

April 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Apr 8, 2019
Property Address	834 OCONEE LN, COMMERCE, GA 30529-4195
Document Number	00084B0694
Book / Page	00084B / 000694
Instrument Date	Mar 26, 2019
Transaction Type	Construction Loan
Record Updated	May 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$66.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	834 OCONEE LN COMMERCE GA 305294195, COMMERCE, GA 30529-4195

Mortgage

Document Number	84B0695
Date	Apr 8, 2019
Book Page	00084B/000695

Lender

Name	ENTEGRA BK
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 7, 2020

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	84A0474,
Date	Apr 8, 2019
Book Page	00084A/000474

Lender

Name	ENTEGRA BK
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 7, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of July 1, 2025

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
2025	$4,588.00 (-3.19%) Homeowner's exemption	$172,320 (-) Land $20,000 Building $152,320	$430,800 (-) Land $50,000 Building $380,800
2024	$4,739.00 (+17.39%) Homeowner's exemption	$172,320 (+12.04%) Land $20,000 Building $152,320	$430,800 (+12.04%) Land $50,000 Building $380,800
2023	$4,037.00 (+0.02%) Homeowner's exemption	$153,800 (+22.88%) Land $20,000 Building $133,800	$384,500 (+22.88%) Land $50,000 Building $334,500
2022	$4,036.00 Homeowner's exemption	$125,160 Land $20,000 Building $105,160	$312,900 Land $50,000 Building $262,900

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 and 4G LTE (outdoors only)

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