109 Cassels Rd, Cairo, GA 39828 Property Records

Grady County property record for 109 Cassels Rd, Cairo, GA 39828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,831 sqft · built 1989
Lot Size	4.07 acres (177,289 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Sep 2022)
Tax Bill	$2,157 (2025)
Deeds & Mortgages	Jul 2016 Line of Credit Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00710-032-001`

Property Details

APN / Parcel Number

Primary APN	`00710-032-001`
Alternative APN	`6048`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,831 sqft Heated Area
1st Floor Area	1,831 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	177,289 sqft (4.07 acres)
Garage Area	552 sqft

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Patio Area	221 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	6048
Street Address	109 CASSELS RD
City	CAIRO
State	GA
Zip	39828-7219
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	GRADY GA
Township / Civil Division	CAIRO
Census Block Group	1
Census Block	1022
Census Tract	950502

Owner

109 Cassels Rd is owned and occupied by two individuals who bought it in September 2022.

Source: Grady County records, as of March 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 CASSELS RD, CAIRO, GA 39828-7219
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
Jul 7, 2016	Deed of Trust, Mortgage · Line of Credit FIRST COMMERCE CU
Jul 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Feb 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS
Sep 23, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMERCE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2022 · Amount on File
Deed Sale	Sep 23, 2022 · Amount on File
Prior Sale	Oct 13, 2011 · Amount on File
Deed Document Number	2022791
Deed Book / Page	916 / 335
Prior Transfer Date	Sep 23, 2011
Prior Transfer Doc	000732/478
Record Updated	Sep 20, 2026

July 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	109 CASSELS RD, CAIRO, GA 39828-7219
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000805/163
Date	Jul 7, 2016
Book Page	805/163

Lender

Name	FIRST COMMERCE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	109 CASSELS RD, CAIRO, GA 39828-7219
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000820/355
Date	Jul 19, 2017
Book Page	820/355

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2032

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	109 CASSELS RD, CAIRO, GA 39828-7219
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CASSELS RD, CAIRO, GA 39828-7219

Mortgage

Document Number	0000000845/0000000162
Date	Feb 28, 2019
Book Page	0000000845/0000000162

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2034

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Sep 23, 2022
Property Address	109 CASSELS RD, CAIRO, GA 39828-7219
Document Number	000916/335
Book / Page	916 / 335
Instrument Date	Sep 23, 2022
Instrument	2022-000791
Transaction Type	Transfer
Record Updated	Nov 30, 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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CASSELS RD, CAIRO, GA 39828-7219

Mortgage

Document Number	0000000916/0000000337
Date	Sep 23, 2022
Book Page	0000000916/0000000337

Lender

Name	FIRST COMMERCE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 109 Cassels Rd was $2,157 with a homeowner's exemption, down 23.2% from the year before.

Source: Grady County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Grady County
Unified School District	Grady County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,157.00 (-23.24%) Homeowner's exemption	$109,986 (+20.39%) Land $18,674 Building $91,312	$274,966 (+20.39%) Land $46,685 Building $228,281
2024	$2,810.00 (+45.6%)	$91,359 (+45.68%) Land $18,674 Building $72,685	$228,398 (+45.68%) Land $46,685 Building $181,713
2023	$1,930.00 (+12.14%)	$62,714 (-) Land $14,033 Building $48,681	$156,785 (-) Land $35,083 Building $121,702
2022	$1,721.00 Homeowner's exemption	$62,714 Land $14,033 Building $48,681	$156,785 Land $35,083 Building $121,702

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 109 Cassels Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 28, 2016 · 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	2 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 109 Cassels Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 69% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Windstream DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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