Grady County property record for 197 Lacy Rd, Whigham, GA 39897
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,129 sqft · built 1976 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $212,000 (Mar 2023) |
| Tax Bill | $1,920 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Sep 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 00230-042-000 |
| Primary APN | 00230-042-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,129 sqft Heated Area |
| 1st Floor Area | 2,129 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Carport |
| Garage Area | 576 sqft |
| Carport | Carport |
| Carport Area | 576 sqft |
| Porch | Slab |
| Porch Area | 423 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Account Number | 1634 |
|---|---|
| Street Address | 197 LACY RD |
| City | WHIGHAM |
| State | GA |
| Zip | 39897-3307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LL 48-DISTRICT 19 |
| Legal Subdivision | PICTURE 3 6 09 |
| Jurisdiction | GRADY GA |
| Township / Civil Division | WHIGHAM |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 950200 |
197 Lacy Rd is owned and occupied by two individuals who bought it in March 2023.
Source: Grady County records, as of March 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 197 LACY RD, WHIGHAM, GA 39897-3307 |
| 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 |
|---|---|
| Mar 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage ALL SOURCE HOLDINGS |
| Sep 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CITY BANK |
| Oct 22, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2023 · Amount on File |
| Deed Sale | Mar 27, 2023 · Amount on File |
| Prior Sale | Oct 22, 2021 · Amount on File |
| Deed Document Number | 2023245 |
| Deed Book / Page | 923 / 718 |
| Transfer Doc | 000741/231 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GRADY GA |
| Recording Date | Mar 17, 2023 |
| Property Address | 197 LACY RD, WHIGHAM, GA 39897-3307 |
| Document Number | 000923/718 |
| Book / Page | 923 / 718 |
| Instrument Date | Mar 17, 2023 |
| Instrument | 2023-000245 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2023 |
| 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 | 197 LACY RD, WHIGHAM, GA 39897-3307 |
| Document Number | 0000923721 |
|---|---|
| Date | Mar 17, 2023 |
| Instrument | 923/721 |
| Name | ALL SOURCE HOLDINGS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRADY GA |
| Property Address | 197 LACY RD, WHIGHAM, GA 39897-3307 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 197 LACY RD, WHIGHAM, GA 39897-3307 |
| Document Number | 0000000839/0000000292 |
|---|---|
| Date | Sep 24, 2018 |
| Book Page | 0000000839/0000000292 |
| Name | CAPITAL CITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 1, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Sep 1, 2020 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GRADY GA |
| Recording Date | Oct 22, 2021 |
| Property Address | 197 LACY RD, WHIGHAM, GA 39897-3307 |
| Document Number | 000897/648 |
| Book / Page | 897 / 648 |
| Instrument Date | Oct 22, 2021 |
| Instrument | 2021-001007 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 197 LACY RD, WHIGHAM, GA 39897-3307 |
The 2025 property tax bill for 197 Lacy Rd was $1,920, down 7.3% from the year before.
Source: Grady County assessment roll, as of March 5, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Grady County |
| Unified School District | Grady County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,920.00 (-7.29%) | $78,594 (+16.73%) Land $3,111 Building $75,483 | $196,486 (+16.73%) Land $7,778 Building $188,708 |
| 2024 | $2,071.00 (+1,368.79%) | $67,327 (+57.1%) Land $3,111 Building $64,216 | $168,318 (+57.1%) Land $7,778 Building $160,540 |
| 2023 | $141.00 (-89.31%) | $42,856 (-) Land $2,016 Building $40,840 | $107,140 (-) Land $5,040 Building $102,100 |
| 2022 | $1,319.00 | $42,856 Land $2,016 Building $40,840 | $107,140 Land $5,040 Building $102,100 |
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 197 Lacy 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 risk around 197 Lacy Rd is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 65% of Georgia |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
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