889 Swain Rd, Commerce, GA 30530 Property Records

Jackson County property record for 889 Swain Rd, Commerce, GA 30530

Property Summary

Property Type	Rural Home
Details	3 ba · 2,677 sqft · built 2003
Lot Size	6 acres (261,360 sqft)
Owner	Individual Name on Record
Last Sale	$167,000 (Mar 2013)
Tax Bill	$3,664 (2025)
Deeds & Mortgages	Jul 2019 Line of Credit
Flood Zone	Zone A (high risk)
APN	`013 010B`

Property Details

APN / Parcel Number

Primary APN	`013 010B`
Alternative APN	`22318`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,677 sqft Heated Area
1st Floor Area	2,125 sqft
Basement Area	2,125 sqft
Unfinished Basement	2,125 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Fiber Cement Siding
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	261,360 sqft (6 acres)
Garage Type	Attached
Garage Area	440 sqft
Deck Area	80 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	22318
Street Address	889 SWAIN RD
City	COMMERCE
State	GA
Zip	30530-5395
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A1
Legal Description	6.00 ACRES TRACT 2 PLAT BK 58 PG 250
Legal Subdivision	GREG VAUGHN
Legal Tract	2
Legal Block	58
Jurisdiction	JACKSON GA
Township / Civil Division	NICHOLSON
Census Block Group	5
Census Block	5005
Census Tract	10500

Owner

Source: Jackson County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	889 SWAIN RD, COMMERCE, GA 30530-5395
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2013 · Amount on Record
Deed Sale	Mar 11, 2013 · Amount on Record
Prior Sale	Oct 27, 2004
Deed Document Number	2013609
Deed Book / Page	65C / 106
Last Transfer Date	Jul 22, 2019
Transfer Doc	00085M0198
Record Updated	Oct 29, 2026

July 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	JACKSON GA
Recording Date	Jul 30, 2019
Property Address	889 SWAIN RD, COMMERCE, GA 30530-5395
Document Number	00085M0198
Book / Page	00085M / 000198
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Aug 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	889 SWAIN RD COMMERCE GA 305305395, COMMERCE, GA 30530-5395

Mortgage

Document Number	85M0200
Date	Jul 30, 2019
Book Page	00085M/000200

Lender

Name	NORTHEAST GA BK
Type	Bank
Address	COMMERCE, GA 30529

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 29, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of February 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$146,680 (-) Land $20,560 Building $126,120	$366,700 (-) Land $51,400 Building $315,300
2025	$3,664.00 (-1.08%) Homeowner's exemption	$146,680 (-) Land $20,560 Building $126,120	$366,700 (-) Land $51,400 Building $315,300
2024	$3,704.00 (+5.77%) Homeowner's exemption	$146,680 (+9.99%) Land $20,560 Building $126,120	$366,700 (+9.99%) Land $51,400 Building $315,300
2023	$3,502.00 (+21.81%)	$133,360 (+34.87%) Land $20,560 Building $112,800	$333,400 (+34.87%) Land $51,400 Building $282,000
2022	$2,875.00	$98,880 Land $7,400 Building $91,480	$247,200 Land $18,500 Building $228,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 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	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Windstream Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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