978 Ridgeway Rd, Commerce, GA 30529 Property Records

Jackson County property record for 978 Ridgeway Rd, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 2005
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Aug 2022)
Tax Bill	$3,200 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`020B 090`

Property Details

APN / Parcel Number

Primary APN	`020B 090`
Alternative APN	`22370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Heated Area
1st Floor Area	1,620 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	170 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	441 sqft
Porch	Slab
Porch Area	128 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22370
Street Address	978 RIDGEWAY RD
City	COMMERCE
State	GA
Zip	30529-1338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 90 BRENTWOOD ESTATES PHASE 4
Legal Subdivision	BRENTWOOD IV
Legal Phase	4
Legal Lot Number	90
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	4
Census Block	4032
Census Tract	10300

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	2 Individual Names on Record
Mailing Address	978 RIDGEWAY RD, COMMERCE, GA 30529-1338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE
Aug 18, 2022	Warranty Deed, Transfer
Aug 18, 2022	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2022 · Amount on Record
Deed Sale	Aug 24, 2022 · Amount on Record
Prior Sale	Jul 31, 2006 · Amount on Record
Deed Document Number	20224081
Deed Book / Page	103S / 27
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	978 RIDGEWAY RD, COMMERCE, GA 30529-1338
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 RIDGEWAY RD, COMMERCE, GA 30529-1338

Mortgage

Document Number	00103S0000000028
Date	Aug 24, 2022
Book Page	000000103S/0000000028

Lender

Name	ROCKET MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Aug 18, 2022
Property Address	978 RIDGEWAY RD, COMMERCE, GA 30529-1338
Document Number	00103S0027
Book / Page	103S / 27
Instrument Date	Aug 18, 2022
Instrument	2022-004081
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 RIDGEWAY RD, COMMERCE, GA 30529-1338

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON GA
Recording Date	Aug 18, 2022
Property Address	978 RIDGEWAY RD, COMMERCE, GA 30529-1338
Document Number	00103S0027
Book / Page	103S / 27
Instrument Date	Aug 18, 2022
Instrument	2022-004081
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 RIDGEWAY RD, COMMERCE, GA 30529-1338

Mortgage

Document Number	0000103S28
Date	Aug 18, 2022
Instrument	103S/28

Lender

Name	ROCKET MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2052

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		$119,840 (-) Land $16,000 Building $103,840	$299,600 (-) Land $40,000 Building $259,600
2025	$3,200.00 (-3.26%)	$119,840 (-) Land $16,000 Building $103,840	$299,600 (-) Land $40,000 Building $259,600
2024	$3,308.00 (+4.29%)	$119,840 (+11.83%) Land $16,000 Building $103,840	$299,600 (+11.83%) Land $40,000 Building $259,600
2023	$3,172.00 (+51.26%)	$107,160 (+65.68%) Land $16,000 Building $91,160	$267,900 (+65.68%) Land $40,000 Building $227,900
2022	$2,097.00	$64,680 Land $10,800 Building $53,880	$161,700 Land $27,000 Building $134,700

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	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	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.02% 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.

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

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Windstream Cable · DSL	1,000 / 25

May also be available: AT&T.

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