197 Turtle Pond Rd, Bainbridge, GA 39819 Property Records

Decatur County property record for 197 Turtle Pond Rd, Bainbridge, GA 39819

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,730 sqft · built 2002
Lot Size	0.498 acres (21,700 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jun 2025)
Tax Bill	$2,641 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B097D-009-000`

Property Details

APN / Parcel Number

Primary APN	`B097D-009-000`
Alternative APNs	`B097D00000009000` `17970`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,730 sqft Heated Area
1st Floor Area	1,730 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,700 sqft
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Patio Area	448 sqft
Canopy	120 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17970
Old Parcel Number	B097D00000009000
Street Address	197 TURTLE POND RD
City	BAINBRIDGE
State	GA
Zip	39819-7857
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	521 326 197 TURTLE POND RD
Legal Subdivision	BRIARHILL
Legal Lot Number	9
Jurisdiction	DECATUR GA
Township / Civil Division	BAINBRIDGE
Census Block Group	4
Census Block	4006
Census Tract	970600

Owner

197 Turtle Pond Rd is owned and occupied by an individual who bought it in June 2025.

Source: Decatur County records, as of February 18, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	197 TURTLE POND RD, BAINBRIDGE, GA 39819-7857
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
Jun 12, 2025	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE
Oct 30, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK
Jun 14, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2025 · Amount on File
Deed Sale	Jun 12, 2025 · Amount on File
Prior Sale	Oct 30, 2023 · Amount on File
Deed Document Number	0000547914
Deed Book / Page	547 / 914
Record Updated	Jun 8, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Jun 12, 2025
Property Address	197 TURTLE POND RD, BAINBRIDGE, GA 39819-7857
Document Number	000547/914
Book / Page	547 / 914
Instrument Date	Jun 11, 2025
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 TURTLE POND RD, BAINBRIDGE, GA 39819-7857
Investor	Possibly a Property Investor

Mortgage

Document Number	0000547916
Date	Jun 12, 2025
Instrument	547/916

Lender

Name	AMERICAN PACIFIC MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2055

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Oct 30, 2023
Property Address	197 TURTLE POND RD, BAINBRIDGE, GA 39819-7857
Document Number	000521/326
Book / Page	521 / 326
Instrument Date	Oct 27, 2023
Instrument	2023000988
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	GA

Mortgage

Document Number	0000521328
Date	Oct 30, 2023
Instrument	521/328

Lender

Name	FIRST FEDERAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2053

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Jun 14, 2021
Property Address	197 TURTLE POND RD, BAINBRIDGE, GA 39819-7857
Document Number	479/485
Book / Page	479 / 485
Instrument Date	Jun 14, 2021
Instrument	2021-000649
Transaction Type	Transfer
Record Updated	Jul 5, 2021

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	197 TURTLE POND RD, BAINBRIDGE, GA 39819-7857

Mortgage

Document Number	0000000479/0000000487
Date	Jun 14, 2021
Book Page	0000000479/0000000487

Lender

Name	FIRSTBANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 197 Turtle Pond Rd was $2,641 with a homeowner's exemption.

Source: Decatur County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
Municipality	Bainbridge City
County	Decatur County
Unified School District	Decatur County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,641.00 Homeowner's exemption	$101,020 Land $8,000 Building $93,020	$252,550 Land $20,000 Building $232,550
2023	$2,509.00 (+3.04%)	$81,357 Land $8,000 Building $73,357	$203,392 Land $20,000 Building $183,392
2022	$2,435.00

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 197 Turtle Pond Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 87 policies
Nearby Flood Policies	87 in force
Nearby Flood Claims	24 (1983–2018)
Claims Outside the SFHA	4 of 24
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Apr 2009 · 3 claims Heavy Rains, Tornados, Flooding, High Winds, Oct 1994 · 10 claims

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 197 Turtle Pond Rd is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 58% of Georgia
Wildfire Likelihood	0.08% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BAINBRIDGE serves 14,500 people · EPA ID GA0870001
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Bainbridge Fiber, Conexon Connect.

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