987 Oconee Ln, Commerce, GA 30529 Property Records

Jackson County property record for 987 Oconee Ln, Commerce, GA 30529

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,404 sqft · built 2019
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on Record
Last Sale	$264,900 (Sep 2019)
Tax Bill	$4,751 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035A 017`

Property Details

APN / Parcel Number

Primary APN	`035A 017`
Alternative APN	`34570`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,404 sqft Heated Area
1st Floor Area	2,061 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Garage Type	Mixed
Garage Area	766 sqft
Porch	Slab
Porch Area	278 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	34570
Street Address	987 OCONEE LN
City	COMMERCE
State	GA
Zip	30529-4105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 17 OCONEE POINTE SUBD PH II
Legal Subdivision	OCONEE POINTE PHASE II
Legal Phase	2
Legal Lot Number	17
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	Individual Name on Record
Mailing Address	987 OCONEE LN, COMMERCE, GA 30529-4105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage METRO MORTGAGE OF GEORGIA
Oct 7, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI HOMESTAR FIN'L
Aug 7, 2019	Grant Deed, Construction Loan · Line of Credit ENTEGRA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2019 · Amount on Record
Deed Sale	Sep 30, 2019 · Amount on Record
Prior Sale	Aug 1, 2019 · Amount on Record
Deed Document Number	20193588
Deed Book / Page	86J / 418
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	987 OCONEE LN, COMMERCE, GA 30529-4105
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	987 OCONEE LN, COMMERCE, GA 30529-4105

Mortgage

Document Number	00096V0000000077
Date	Jun 29, 2021
Book Page	000000096V/0000000077

Lender

Name	METRO MORTGAGE OF GEORGIA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

October 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Oct 7, 2019
Property Address	987 OCONEE LN, COMMERCE, GA 30529-4105
Document Number	00086J0418
Book / Page	00086J / 000418
Instrument Date	Sep 30, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	987 OCONEE LN COMMERCE GA 305294105, COMMERCE, GA 30529-4105

Mortgage

Document Number	86J0419
Date	Oct 7, 2019
Book Page	00086J/000419

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2049

August 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Aug 7, 2019
Property Address	987 OCONEE LN, COMMERCE, GA 30529-4105
Document Number	00085P0391
Book / Page	00085P / 000391
Instrument Date	Aug 1, 2019
Transaction Type	Construction Loan
Record Updated	Sep 5, 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	987 OCONEE LN COMMERCE GA 305294105, COMMERCE, GA 30529-4105
Investor	Possibly a Property Investor

Mortgage

Document Number	85P0392
Date	Aug 7, 2019
Book Page	00085P/000392

Lender

Name	ENTEGRA BK
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Aug 6, 2020

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	85P0411,
Date	Aug 7, 2019
Book Page	00085P/000411

Lender

Name	ENTEGRA BK
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Aug 6, 2020

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
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		$178,440 (-) Land $20,000 Building $158,440	$446,100 (-) Land $50,000 Building $396,100
2025	$4,751.00 (-3.55%) Homeowner's exemption	$178,440 (-) Land $20,000 Building $158,440	$446,100 (-) Land $50,000 Building $396,100
2024	$4,926.00 (+5.08%)	$178,440 (+12.68%) Land $20,000 Building $158,440	$446,100 (+12.68%) Land $50,000 Building $396,100
2023	$4,688.00 (+11.81%)	$158,360 (+22.46%) Land $20,000 Building $138,360	$395,900 (+22.46%) Land $50,000 Building $345,900
2022	$4,193.00	$129,320 Land $20,000 Building $109,320	$323,300 Land $50,000 Building $273,300

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

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

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