986 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 986 Oconee Ln, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,509 sqft · built 2018
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$234,900 (Mar 2018)
Tax Bill	$3,247 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`035A 031`

Property Details

APN / Parcel Number

Primary APN	`035A 031`
Alternative APN	`34584`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,509 sqft Heated Area
1st Floor Area	2,500 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Slab
Porch Area	310 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	34584
Street Address	986 OCONEE LN
City	COMMERCE
State	GA
Zip	30529-4196
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 31 OCONEE POINTE SUBD PH II
Legal Subdivision	OCONEE POINTE PHASE II
Legal Phase	2
Legal Lot Number	31
Jurisdiction	JACKSON GA
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1130
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	986 OCONEE LN, COMMERCE, GA 30529-4196
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL
Mar 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUCCESS MTG PTRS
Mar 13, 2018	Quit Claim Deed, Transfer HOMESTAR FIN'L
Sep 27, 2017	Trustee's Deed, Construction Loan · Line of Credit CHATTAHOOCHEE BK/GA
Sep 18, 2017	Grant Deed, Construction Loan · Construction Mortgage CHATTAHOOCHEE BK/GA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2018 · Amount on Record
Deed Sale	Mar 1, 2018 · Amount on Record
Prior Sale	Jul 31, 2017 · Amount on Record
Deed Document Number	2018616
Deed Book / Page	79Z / 713
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	986 OCONEE LN, COMMERCE, GA 30529-4196
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00079Z0714
Date	Mar 13, 2018
Book Page	79Z/714

Lender

Name	HOMESTAR FINANCIAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	986 OCONEE LN, COMMERCE, GA 30529-4196
Document Number	00088T0434
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	986 OCONEE LN COMMERCE GA 305294196, COMMERCE, GA 30529-4196

Mortgage

Document Number	00088T0434
Date	Apr 1, 2020
Book Page	00088T/000434

Lender

Name	SUCCESS MTG PTRS
Type	Mortgage Company
Address	PLYMOUTH, MI 48170

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2050

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON GA
Recording Date	Mar 13, 2018
Property Address	986 OCONEE LN, COMMERCE, GA 30529-4196
Document Number	00079Z0727
Book / Page	00079Z / 000727
Instrument Date	Mar 1, 2018
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	986 OCONEE LN COMMERCE GA 305294196, COMMERCE, GA 30529-4196

Mortgage

Document Number	79Z0714
Date	Mar 13, 2018
Book Page	00079Z/000714

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2048

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	JACKSON GA
Recording Date	Sep 27, 2017
Property Address	986 OCONEE LN, COMMERCE, GA 30529-4196
Document Number	00078L0137
Book / Page	00078L / 000137
Instrument Date	Sep 20, 2017
Transaction Type	Construction Loan
Record Updated	Jan 18, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	986 OCONEE LN COMMERCE GA 305294196, COMMERCE, GA 30529-4196
Investor	Possibly a Property Investor

Mortgage

Document Number	78L0137
Date	Sep 27, 2017
Book Page	00078L/000137

Lender

Name	CHATTAHOOCHEE BK/GA
Type	Bank
Address	GAINESVILLE, GA 30501-4528

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 26, 2018

Interest

Rate Type	Adjustable Rate

September 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Sep 18, 2017
Property Address	986 OCONEE LN, COMMERCE, GA 30529-4196
Document Number	00078J0113
Book / Page	00078J / 000113
Instrument Date	Jul 28, 2017
Transaction Type	Construction Loan
Record Updated	May 20, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$80.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Mortgage

Document Number	78J0114
Date	Sep 18, 2017
Book Page	00078J/000114

Lender

Name	CHATTAHOOCHEE BK/GA
Type	Bank
Address	GAINESVILLE, GA 30501-4528

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 17, 2018

Mortgage

Document Number	78J0135,
Date	Sep 18, 2017
Book Page	00078J/000135

Lender

Name	CHATTAHOOCHEE BK/GA
Type	Bank
Address	GAINESVILLE, GA 30501-4528

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 17, 2018

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		$171,400 (-) Land $20,000 Building $151,400	$428,500 (-) Land $50,000 Building $378,500
2025	$3,247.00 (-17.04%) Homeowner's exemption	$171,400 (-) Land $20,000 Building $151,400	$428,500 (-) Land $50,000 Building $378,500
2024	$3,914.00 (+23.67%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$171,400 (+11.91%) Land $20,000 Building $151,400	$428,500 (+11.91%) Land $50,000 Building $378,500
2023	$3,165.00 (+2.59%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$153,160 (+22.84%) Land $20,000 Building $133,160	$382,900 (+22.84%) Land $50,000 Building $332,900
2022	$3,085.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$124,680 Land $20,000 Building $104,680	$311,700 Land $50,000 Building $261,700

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

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	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 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

4G LTE (outdoors only), no 5G reported

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