1013 E Cumberland Ct, Bainbridge, GA 39817 Property Records

Decatur County property record for 1013 E Cumberland Ct, Bainbridge, GA 39817

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,181 sqft · built 1997
Lot Size	0.474 acres (20,658 sqft)
Owner	Individual Name on Record
Last Sale	$199,900 (Nov 2025)
Tax Bill	$1,664 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0069B-070-004`

Property Details

APN / Parcel Number

Primary APN	`0069B-070-004`
Alternative APNs	`0069B00000070004` `5940`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,181 sqft Heated Area
1st Floor Area	1,181 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,658 sqft
Garage Type	Carport
Carport	Carport
Carport Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	5940
Old Parcel Number	0069B00000070004
Street Address	1013 E CUMBERLAND CT
City	BAINBRIDGE
State	GA
Zip	39817-8111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	M20 218 1013 CUMBERLAND COURT
Legal Subdivision	NORTH CUMBERLAND
Legal Lot Number	4
Jurisdiction	DECATUR GA
Township / Civil Division	BAINBRIDGE
Census Block Group	2
Census Block	2037
Census Tract	970400

Owner

Source: Decatur County records, as of February 18, 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	1013 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage GUILD MORTGAGE
Nov 6, 2025	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2025 · Amount on Record
Deed Sale	Nov 6, 2025 · Amount on Record
Prior Sale	Jun 25, 2025 · Amount on Record
Deed Document Number	0000555144
Deed Book / Page	555 / 144
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	1013 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111
Transaction Type	Mortgage
Record Updated	Jan 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111

Mortgage

Document Number	0000000555/0000000166
Date	Nov 6, 2025
Book Page	0000000555/0000000166

Lender

Name	GUILD MORTGAGE

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2035

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Nov 6, 2025
Property Address	1013 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111
Document Number	000555/144
Book / Page	555 / 144
Instrument Date	Nov 6, 2025
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111

Mortgage

Document Number	0000555146
Date	Nov 6, 2025
Instrument	555/146

Lender

Name	GUILD MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

Source: Decatur County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
Municipality	Bainbridge City
County	Decatur County
Unified School District	Decatur County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,664.00 (+12.36%)	$51,638 (+10.16%) Land $4,800 Building $46,838	$129,096 (+10.17%) Land $12,000 Building $117,096
2024	$1,481.00 (+2.49%)	$46,874 (-) Land $4,800 Building $42,074	$117,184 (-) Land $12,000 Building $105,184
2023	$1,445.00	$46,874 Land $4,800 Building $42,074	$117,184 Land $12,000 Building $105,184
2022	$1,445.00

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 July 6, 2026 · 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	6 in force
Nearby Flood Claims	10 (1994–2009)
Claims Outside the SFHA	2 of 10
Most Recent Claim	Apr 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds

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 53% of the US · above 74% of Georgia
Wildfire Likelihood	0.09% 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	BAINBRIDGE serves 14,500 people · EPA ID GA0870001
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Fiber · Cable in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Bainbridge Fiber, Conexon Connect.

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