1045 E Cumberland Ct, Bainbridge, GA 39817 Property Records

Decatur County property record for 1045 E Cumberland Ct, Bainbridge, GA 39817

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,272 sqft · built 1994
Lot Size	0.578 acres (25,186 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Oct 2025)
Tax Bill	$1,744 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0069B-070-012`

Property Details

APN / Parcel Number

Primary APN	`0069B-070-012`
Alternative APNs	`0069B00000070012` `5948`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,272 sqft Heated Area
1st Floor Area	1,272 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1999
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,186 sqft
Garage Type	Carport
Carport	Carport
Carport Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	240 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	5948
Old Parcel Number	0069B00000070012
Street Address	1045 E CUMBERLAND CT
City	BAINBRIDGE
State	GA
Zip	39817-8111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	125 171 1045 CUMBERLAND COURT
Legal Subdivision	NORTH CUMBERLAND
Legal Lot Number	12
Jurisdiction	DECATUR GA
Township / Civil Division	BAINBRIDGE
Census Block Group	2
Census Block	2037
Census Tract	970400

Owner

1045 E Cumberland Ct is owned by an individual who bought it in October 2025.

Source: Decatur County records, as of February 18, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	524 BARBER RD, BRINSON, GA 39825-2058
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
Oct 27, 2021	Deed of Trust, Mortgage · Line of Credit FIVE STAR CREDIT UNION
Feb 9, 2022	Deed of Trust, Mortgage · Line of Credit FIVE STAR CREDIT UNION
Feb 6, 2023	Deed of Trust, Mortgage · Line of Credit FIVE STAR CREDIT UNION
Oct 22, 2025	Warranty Deed, Transfer · SBA Mortgage FIRST PORT CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on File
Deed Sale	Oct 22, 2025 · Amount on File
Deed Document Number	0000554336
Deed Book / Page	554 / 336
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	1045 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111

Mortgage

Document Number	0000000486/0000000682
Date	Oct 27, 2021
Book Page	0000000486/0000000682

Lender

Name	FIVE STAR CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	1045 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111

Mortgage

Document Number	0000000492/0000000061
Date	Feb 9, 2022
Book Page	0000000492/0000000061

Lender

Name	FIVE STAR CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Jan 1, 2025

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	1045 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111

Mortgage

Document Number	0000000509/0000000482
Date	Feb 6, 2023
Book Page	0000000509/0000000482

Lender

Name	FIVE STAR CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2028

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Oct 22, 2025
Property Address	1045 E CUMBERLAND CT, BAINBRIDGE, GA 39817-8111
Document Number	000554/336
Book / Page	554 / 336
Instrument Date	Oct 22, 2025
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 BARBER RD, BRINSON, GA 39825-2058

Mortgage

Document Number	0000554338
Date	Oct 22, 2025
Instrument	554/338

Lender

Name	FIRST PORT CITY BANK

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	3 Months
Due	Jan 1, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 1045 E Cumberland Ct was $1,744, up 20.6% from the year before.

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	$1,744.00 (+20.61%)	$54,117 (+18.25%) Land $4,800 Building $49,317	$135,293 (+18.26%) Land $12,000 Building $123,293
2024	$1,446.00 (+2.48%)	$45,763 (-) Land $4,800 Building $40,963	$114,407 (-) Land $12,000 Building $102,407
2023	$1,411.00 (-0.63%)	$45,763 Land $4,800 Building $40,963	$114,407 Land $12,000 Building $102,407
2022	$1,420.00

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 1045 E Cumberland Ct in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1994.

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

Wildfire risk around 1045 E Cumberland Ct is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 80% of Georgia
Wildfire Likelihood	0.05% 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 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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