1944 Gainey Rd, Cairo, GA 39828 Property Records

Grady County property record for 1944 Gainey Rd, Cairo, GA 39828

Property Summary

Property Type	Single Family Home
Details	1 ba · 720 sqft · built 2001
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$133,000 (May 2018)
Tax Bill	$1,169 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00430-043-001`

Property Details

APN / Parcel Number

Primary APN	`00430-043-001`
Alternative APN	`3095`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Heated Area
1st Floor Area	720 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	130,680 sqft (3 acres)
Garage Type	Carport
Garage Area	320 sqft
Carport	Carport
Carport Area	320 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	320 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	3095
Street Address	1944 GAINEY RD
City	CAIRO
State	GA
Zip	39828-6264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PICTURE
Jurisdiction	GRADY GA
Township / Civil Division	CALVARY-RENO
Census Block Group	3
Census Block	3067
Census Tract	950600

Owner

1944 Gainey Rd is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1944 GAINEY RD, CAIRO, GA 39828-6264
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
Dec 10, 2021	Deed of Trust, Mortgage · USDA Mortgage PENNYMAC LOAN SERVICES
May 10, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE
Jan 14, 2008	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2018 · Amount on File
Deed Sale	May 10, 2018 · Amount on File
Prior Sale	Oct 13, 2006 · Amount on File
Deed Document Number	2018415
Deed Book / Page	832 / 530
Prior Transfer Date	Jan 15, 2008
Prior Transfer Doc	000666/761
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	1944 GAINEY RD, CAIRO, GA 39828-6264
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1944 GAINEY RD, CAIRO, GA 39828-6264
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000900/0000000147
Date	Dec 10, 2021
Book Page	0000000900/0000000147

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

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

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	May 10, 2018
Property Address	1944 GAINEY RD, CAIRO, GA 39828-6264
Document Number	000832/530
Book / Page	832 / 530
Instrument Date	May 10, 2018
Instrument	2018-000415
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount 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	1944 GAINEY RD, CAIRO, GA 39828-6264

Mortgage

Document Number	000832/532
Date	May 11, 2018
Book Page	832/532

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

January 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	GRADY GA
Recording Date	Jan 14, 2008
Property Address	1944 GAINEY RD, CAIRO, GA 39828-6264
Document Number	000666/741
Book / Page	666 / 741
Instrument Date	Jan 14, 2008
Instrument	2008-000046
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 SUSIE MCCRANIE RD, SPARKS, GA 31647-5807

Tax Assessment & Valuation

The 2025 property tax bill for 1944 Gainey Rd was $1,169, down 2.6% 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	$1,169.00 (-2.58%)	$47,853 (+22.6%) Land $5,333 Building $42,520	$119,631 (+22.6%) Land $13,332 Building $106,299
2024	$1,200.00 (+18.93%)	$39,032 (+18.99%) Land $5,333 Building $33,699	$97,579 (+18.98%) Land $13,332 Building $84,247
2023	$1,009.00 (+12.11%)	$32,804 (-) Land $5,616 Building $27,188	$82,010 (-) Land $14,040 Building $67,970
2022	$900.00	$32,804 Land $5,616 Building $27,188	$82,010 Land $14,040 Building $67,970

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 1944 Gainey Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 28, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1944 Gainey Rd is moderate, ranking above 58% 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 58% of the US · above 86% 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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