1016 E Water St, Bainbridge, GA 39817 Property Records

Decatur County property record for 1016 E Water St, Bainbridge, GA 39817

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,082 sqft · built 1943
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Jun 2026)
Tax Bill	$516 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`B0470-092-000`

Property Details

APN / Parcel Number

Primary APN	`B0470-092-000`
Alternative APNs	`B047000000092000` `14824`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,082 sqft Heated Area
1st Floor Area	1,082 sqft
Utility Room	Utility Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Exterior Material	Other
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	133 ft deep x 50 ft wide
Porch	Slab
Porch Area	186 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Account Number	14824
Street Address	1016 E WATER ST
City	BAINBRIDGE
State	GA
Zip	39817-3857
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	510 544 1016 WATER ST
Legal Subdivision	BROUGHTON STREET
Legal Block	7
Legal Lot Number	17
Jurisdiction	DECATUR GA
Township / Civil Division	BAINBRIDGE
Census Block Group	4
Census Block	4046
Census Tract	970400

Owner

1016 E Water St is owned and occupied by two individuals who bought it in June 2026.

Source: Decatur County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1016 E WATER ST, BAINBRIDGE, GA 39817-3857
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage
Jul 19, 2022	Deed of Trust, Mortgage · Commercial Mortgage SYNOVUS BANK
Feb 24, 2023	Warranty Deed, Transfer · Conventional Mortgage TC HARRELL PROPERTIES
Jul 14, 2021	Warranty Deed, Transfer · Commercial Mortgage SYNOVUS BANK
Sep 30, 2019	Warranty Deed, Transfer · Commercial Mortgage SYNOVUS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Prior Sale	Feb 27, 2023 · Amount on File
Deed Book / Page	566 / 459
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Recording Date	Jun 2, 2026
Property Address	1016 E WATER ST, BAINBRIDGE, GA 39817-3857
Document Number	0566000461
Book / Page	566 / 461
Instrument Date	May 29, 2026
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0566000461,
Date	Jun 2, 2026
Book Page	566/461

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 1, 2027

Interest

Rate	6.3%
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Jun 2, 2026
Property Address	1016 E WATER ST, BAINBRIDGE, GA 39817-3857
Document Number	0566000459
Book / Page	566 / 459
Instrument Date	May 29, 2026
Transaction Type	Transfer
Record Updated	Aug 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 E WATER ST, BAINBRIDGE, GA 39817-3857

Mortgage

Document Number	0566000461,
Date	Jun 2, 2026
Book Page	566/461

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 1, 2027

Interest

Rate	6.3%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	1016 E WATER ST, BAINBRIDGE, GA 39817-3857
Transaction Type	Mortgage
Record Updated	May 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 E WATER ST, BAINBRIDGE, GA 39817-3857

Mortgage

Document Number	0000000501/0000000194
Date	Jul 19, 2022
Book Page	0000000501/0000000194

Lender

Name	SYNOVUS BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2023

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Feb 24, 2023
Property Address	1016 E WATER ST, BAINBRIDGE, GA 39817-3857
Document Number	000510/544
Book / Page	510 / 544
Instrument Date	Feb 24, 2023
Instrument	2023-000164
Transaction Type	Transfer
Record Updated	May 2, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 164, STAPLETON, GA 30823-0164

Mortgage

Document Number	0000000510/0000000547
Date	Feb 27, 2023
Book Page	0000000510/0000000547

Lender

Name	TC HARRELL PROPERTIES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jan 1, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Jul 14, 2021
Property Address	1016 E WATER ST, BAINBRIDGE, GA 39817-3857
Document Number	000481/408
Book / Page	481 / 408
Instrument Date	Jul 14, 2021
Instrument	2021-000750
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 HABERSHAM RD, THOMASVILLE, GA 31792-8730

Mortgage

Document Number	0000000481/0000000411
Date	Jul 14, 2021
Book Page	0000000481/0000000411

Lender

Name	SYNOVUS BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Sep 30, 2019
Property Address	1016 E WATER ST, BAINBRIDGE, GA 39817-3857
Document Number	000449/744
Book / Page	449 / 744
Instrument Date	Sep 30, 2019
Instrument	2019-000860
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 S BROAD ST, THOMASVILLE, GA 31792-5541
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000449/0000000748
Date	Oct 1, 2019
Book Page	0000000449/0000000748

Lender

Name	SYNOVUS BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 1016 E Water St was $516.

Source: Decatur County assessment roll, as of February 19, 2026

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	$516.00	$16,021 Land $955 Building $15,066	$40,051 Land $2,387 Building $37,664
2023	$454.00	$14,733 Land $955 Building $13,778	$36,833 Land $2,387 Building $34,446
2022	$454.00

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

FEMA maps place 1016 E Water St in Zone X, an area of moderate flood risk.

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 moderate risk · 1% annual chance, drainage area under 1 sq mi
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 1016 E Water St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99.2% of Georgia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Bainbridge Fiber.

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