Grady County property record for 1290 Stephens Dr NW, Cairo, GA 39828
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,200 sqft · built 1981 |
| Lot Size | 1.27 acres (55,321 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Apr 2022) |
| Tax Bill | $3,025 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Dec 2007 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C0090-023-000 |
| Primary APN | C0090-023-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,200 sqft Heated Area |
| 1st Floor Area | 1,496 sqft |
| 2nd Floor Area | 704 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood Siding |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 55,321 sqft (1.27 acres) |
| Lot Dimensions | 150 ft deep x 64 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
| Porch | Open Porch |
| Porch Area | 874 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 9938 |
|---|---|
| Old Parcel Number | C0090023 |
| Street Address | 1290 STEPHENS DR NW |
| City | CAIRO |
| State | GA |
| Zip | 39828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LL 1 LD 19 LS 64' X 150' |
| Legal Subdivision | NORTHWOODS |
| Legal Block | V |
| Legal Lot Number | 1 |
| Jurisdiction | GRADY GA |
| Township / Civil Division | CAIRO |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 950300 |
1290 Stephens Dr NW is owned and occupied by an individual who bought it in April 2022.
Source: Grady County records, as of March 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1290 STEPHENS DR NW, CAIRO, GA 39828 |
| 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.
| Date | Document |
|---|---|
| Apr 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ENVISION CREDIT UNION |
| Dec 3, 2007 | Deed of Trust, Mortgage · Conventional Mortgage THE PARK AVENUE BANK |
| Oct 6, 2006 | Deed, Transfer · Conventional Mortgage WACHOVIA MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 8, 2022 · Amount on File |
| Deed Sale | Apr 8, 2022 · Amount on File |
| Deed Document Number | 0000907195 |
| Deed Book / Page | 640 / 40 |
| Prior Transfer Date | Oct 6, 2006 |
| Prior Transfer Doc | 2006-001210 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRADY GA |
| Property Address | 1290 STEPHENS DR NW, CAIRO, GA 39828 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1290 NW STEPHEN DR |
| Document Number | 0000000907/0000000198 |
|---|---|
| Date | Apr 8, 2022 |
| Book Page | 0000000907/0000000198 |
| Name | ENVISION CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRADY GA |
| Property Address | 1290 STEPHENS DR NW, CAIRO, GA 39828 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000664/325 |
|---|---|
| Date | Dec 3, 2007 |
| Book Page | 664/325 |
| Name | THE PARK AVENUE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 1, 2017 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GRADY GA |
| Recording Date | Oct 6, 2006 |
| Property Address | 1290 STEPHENS DR NW, CAIRO, GA 39828 |
| Document Number | 0000640/40 |
| Book / Page | 640 / 40 |
| Instrument Date | Oct 6, 2006 |
| Instrument | 2006-001210 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 978 LESLIE LEWIS RD, HAVANA, FL 32333-5725 |
| Document Number | 0000640/42 |
|---|---|
| Date | Oct 6, 2006 |
| Book Page | 640/42 |
| Name | WACHOVIA MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2036 |
The 2025 property tax bill for 1290 Stephens Dr NW was $3,025, down 16.3% from the year before.
Source: Grady County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| Municipality | Cairo City |
| County | Grady County |
| Unified School District | Grady County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,025.00 (-16.25%) | $100,505 (+9.75%) Land $10,160 Building $90,345 | $251,262 (+9.75%) Land $25,400 Building $225,862 |
| 2024 | $3,612.00 (+20.24%) | $91,577 (+12.82%) Land $10,160 Building $81,417 | $228,942 (+12.82%) Land $25,400 Building $203,542 |
| 2023 | $3,004.00 (+1.18%) | $81,169 (-2.05%) Land $12,000 Building $69,169 | $202,923 (-2.05%) Land $30,000 Building $172,923 |
| 2022 | $2,969.00 | $82,868 Land $12,000 Building $70,868 | $207,171 Land $30,000 Building $177,171 |
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.
FEMA maps place 1290 Stephens Dr NW in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 28, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1290 Stephens Dr NW is moderate, ranking above 40% of the US, with a 0.04% annual chance of 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CAIRO serves 9,637 people · EPA ID GA1310000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
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