861 Cedar Rdg Rd, Commerce, GA 30530 Property Records

Franklin County property record for 861 Cedar Rdg Rd, Commerce, GA 30530

Property Summary

Property Type	Rural Home
Details	3 bd · 6 ba · 5,407 sqft · built 1950
Lot Size	59.9 acres (2,612,729 sqft)
Owner	2 Individual Names on Record
Last Sale	$679,000 (Jul 2019)
Tax Bill	$10,216 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Jul 2017 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005-037`

Property Details

APN / Parcel Number

Primary APN	`005-037`
Alternative APN	`2013`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	5,407 sqft Heated Area
1st Floor Area	4,423 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2000
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	2,612,729 sqft (59.9 acres)
Terrain	Rolling
Garage Area	3,194 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	640 sqft
Porch	Slab
Porch Area	1,072 sqft
Patio Area	220 sqft
Pole Barn	1,800 sqft
Tennis Court	Tennis Court

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	2013
Street Address	861 CEDAR RIDGE RD
City	COMMERCE
State	GA
Zip	30530-7346
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	UNZONED RU
Legal Description	59.98 ACRES CEDAR RIDGE RD
Jurisdiction	FRANKLIN GA
Township / Civil Division	CARNESVILLE
Census Block Group	2
Census Block	2015
Census Tract	890201

Owner

Source: Franklin County records, as of December 12, 2025

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	861 CEDAR RIDGE RD, COMMERCE, GA 30530-7346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2019	Grant Deed, Transfer BRANCH BK&TR
Jul 28, 2017	Loan Modification, Mortgage UNITED CMNTY BK
Apr 14, 2017	Deed of Trust, Mortgage · Line of Credit UNITED CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2019 · Amount on Record
Deed Sale	Jul 29, 2019 · Amount on Record
Prior Sale	Dec 13, 2005 · Amount on Record
Deed Document Number	2019867
Deed Book / Page	1353 / 74
Record Updated	Jun 8, 2026

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN GA
Recording Date	Aug 1, 2019
Property Address	861 CEDAR RIDGE RD, COMMERCE, GA 30530-7346
Document Number	0013530074
Book / Page	001353 / 000074
Instrument Date	Jul 29, 2019
Transaction Type	Transfer
Record Updated	Aug 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$679.00
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	861 CEDAR RIDGE RD COMMERCE GA 305307346, COMMERCE, GA 30530-7346

Mortgage

Document Number	13530080
Date	Aug 1, 2019
Book Page	001353/000080

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN GA
Property Address	861 CEDAR RIDGE RD, COMMERCE, GA 30530-7346
Document Number	0012730013
Book / Page	001273 / 000013
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Oct 24, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	861 CEDAR RIDGE RD COMMERCE GA 305307346, COMMERCE, GA 30530-7346

Mortgage

Document Number	0012730013
Date	Aug 21, 2017
Book Page	001273/000013

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	LAWRENCEVILLE, GA 30043

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Aug 20, 2042

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN GA
Property Address	861 CEDAR RIDGE RD, COMMERCE, GA 30530-7346
Document Number	0012610128
Book / Page	001261 / 000128
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	May 19, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	861 CEDAR RIDGE RD COMMERCE GA 305307346, COMMERCE, GA 30530-7346

Mortgage

Document Number	0012610128
Date	May 9, 2017
Book Page	001261/000128

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	LAWRENCEVILLE, GA 30043

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 8, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of December 12, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,216.00 (+16.1%)	$442,157 (+29.64%) Land $167,499 Building $274,658	$1,105,391 (+29.64%) Land $418,747 Building $686,644
2023	$8,799.00 (+16.13%)	$341,074 (+16.14%) Land $131,299 Building $209,774	$852,684 (+16.14%) Land $328,248 Building $524,436
2022	$7,577.00	$293,685 Land $101,878 Building $191,807	$734,212 Land $254,695 Building $479,517

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 September 26, 2008

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	Low lower than 62% of the US · lower than 80% of Georgia
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

861 Cedar Rdg Rd, Commerce, GA 30530 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2019: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2017: Loan Modification, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Cedar Rdg Rd

Nearby Streets

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