191 Stephens Rd, Cairo, GA 39828 Property Records

Grady County property record for 191 Stephens Rd, Cairo, GA 39828 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2006
Square Footage	2,481 sqft Heated Area
Lot Size	533,174 sqft (12.2 acres)
Garage	550 sqft
Occupancy	Owner Occupied
Tax Bill	$2,712.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`00420-041-002`
Alternative APN	`2993`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,481 sqft Heated Area
1st Floor	1,931 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2006
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Foundation Type	Masonry Foundation
Roof Construction	Gable Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	533,174 sqft (12.2 acres)
Garage Area	550 sqft Garage

Exterior Amenities

Pool Area	465 sqft Pool
Porch	Open Porch
Porch Area	624 sqft Porch
Lean-To	336 sqft Lean-To
Pole Structure	750 sqft Pole Structure
Storage Building	308 sqft Storage Building

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating

Location & Zoning

Account Number	2993
Old Parcel Number	00420041002
Street Address	191 STEPHENS RD
City	CAIRO
State	GA
Zip	39828-7169
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LL 283 284
Legal Subdivision	PICTURE 4-19-07
Jurisdiction	GRADY GA
Minor Civil Division	CALVARY-RENO
Census Blockgroup	3
Census Block	3042
Census Tract	950600

Owner

Source: Grady County records · APN 00420-041-002

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	191 STEPHENS RD, CAIRO, GA 39828-7169
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
May 02, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF DECATUR COUNTY
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 21, 1998
Deed Sale	Apr 21, 1998
Deed Doc Number	0000437254
Record Refreshed	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	191 STEPHENS RD, CAIRO, GA 39828-7169
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 STEPHENS RD, CAIRO, GA 39828-7169

Mortgage

Document Number	0000000908/0000000538
Date	May 02, 2022
Book Page	0000000908/0000000538

Lender

Name	FIRST NATIONAL BANK OF DECATUR COUNTY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 01, 2032

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	191 STEPHENS RD, CAIRO, GA 39828-7169
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 STEPHENS RD, CAIRO, GA 39828-7169

Mortgage

Document Number	0000000868/0000000130
Date	Jun 22, 2020
Book Page	0000000868/0000000130

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 01, 2049

Tax Assessment & Valuation

Source: Grady County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,712.00 (-20.47%) Homeowner's exemption	$150,963 (+21.54%) Land $17,938 Building $133,025	$377,408 (+21.54%) Land $44,845 Building $332,563
2024	$3,410.00 (+5.7%) Homeowner's exemption	$124,209 (+0.3%) Land $17,938 Building $106,271	$310,523 (+0.3%) Land $44,845 Building $265,678
2023	$3,226.00 (-5.09%) Homeowner's exemption	$123,836 (-) Land $24,588 Building $99,248	$309,589 (-) Land $61,470 Building $248,119
2022	$3,399.00 Homeowner's exemption	$123,836 Land $24,588 Building $99,248	$309,589 Land $61,470 Building $248,119

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