204 E Water St, Bainbridge, GA 39817 Property Records

Decatur County property record for 204 E Water St, Bainbridge, GA 39817

Property Summary

Property Type	Restaurant
Details	4,656 sqft · built 1905
Lot Size	0.069 acres (3,049 sqft)
Owner	Company Name on File
Last Sale	$315,000 (Sep 2022)
Tax Bill	$1,945 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Apr 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`B0260-004-000`

Property Details

APN / Parcel Number

Primary APN	`B0260-004-000`
Alternative APNs	`B026000000004000` `12001`

Interior

Stories	2 Stories
Building Area	4,656 sqft Total Area
1st Floor Area	2,328 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1905
Effective Year Built	Effective 2006
Exterior Material	Brick
Foundation Type	Retaining Wall
Roof Material	Tar & Gravel
Lot Area	3,049 sqft (0.069 acres)
Lot Dimensions	84 ft deep x 30 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12001
Old Parcel Number	B026000000004000
Street Address	204 E WATER ST
City	BAINBRIDGE
State	GA
Zip	39817-3736
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	504 425 204 E WATER ST
Jurisdiction	DECATUR GA
Township / Civil Division	BAINBRIDGE
Census Block Group	4
Census Block	4027
Census Tract	970400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bainbridge Residential Historic District listed 1987 · 198 contributing resources · NRIS 87001907

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

204 E Water St, a commercial property, is owned by a company that bought it in September 2022.

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

Owner of Record	Company Name on File
Mailing Address	13860 WELLINGTON TRCE STE 38, 38, WELLINGTON, FL 33414-8591
Owner Type	Company

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
Sep 15, 2020	Deed of Trust, Mortgage · Line of Credit FAMILY BANK
Apr 24, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF DECATUR COUNTY
Sep 22, 2022	Warranty Deed, Transfer
Aug 21, 2020	Warranty Deed, Transfer
Aug 19, 2019	Warranty Deed, Transfer · Line of Credit FAMILY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2022 · Amount on File
Deed Sale	Sep 22, 2022 · Amount on File
Deed Document Number	0000504425
Deed Book / Page	504 / 425
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	204 E WATER ST, BAINBRIDGE, GA 39817-3736
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 BROAD ST

Mortgage

Document Number	0000000465/0000000059
Date	Sep 15, 2020
Book Page	0000000465/0000000059

Lender

Name	FAMILY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Jan 1, 2023

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	204 E WATER ST, BAINBRIDGE, GA 39817-3736
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 BROAD ST

Mortgage

Document Number	0000000529/0000000500
Date	Apr 24, 2024
Book Page	0000000529/0000000500

Lender

Name	FIRST NATIONAL BANK OF DECATUR COUNTY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2025

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Sep 22, 2022
Property Address	204 E WATER ST, BAINBRIDGE, GA 39817-3736
Document Number	000504/425
Book / Page	504 / 425
Instrument Date	Sep 22, 2022
Instrument	2022-001043
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount 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	13860 WELLINGTON TRCE STE 38, 38, WELLINGTON, FL 33414-8591

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Aug 21, 2020
Property Address	204 E WATER ST, BAINBRIDGE, GA 39817-3736
Document Number	000463/937
Book / Page	463 / 937
Instrument Date	Aug 21, 2020
Instrument	2020-000815
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount 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	310 W SHOTWELL ST, BAINBRIDGE, GA 39819-3906
Investor	Possibly a Property Investor

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Aug 19, 2019
Property Address	204 E WATER ST, BAINBRIDGE, GA 39817-3736
Document Number	000448/103
Book / Page	448 / 103
Instrument Date	Aug 19, 2019
Instrument	2019-000725
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount 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	310 W SHOTWELL ST, BAINBRIDGE, GA 39819-3906

Mortgage

Document Number	0000000448/0000000106
Date	Aug 21, 2019
Book Page	0000000448/0000000106

Lender

Name	FAMILY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 204 E Water St was $1,945.

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	$1,945.00	$60,346 Land $3,874 Building $56,472	$150,867 Land $9,686 Building $141,181
2023	$863.00 (-27.84%)	$27,990 Land $3,874 Building $24,116	$69,976 Land $9,686 Building $60,290
2022	$1,196.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 204 E Water St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 204 E Water St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.2% of Georgia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Bainbridge Fiber, T-Mobile.

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