2102 Locklaurel Cir, Bainbridge, GA 39819 Property Records

Decatur County property record for 2102 Locklaurel Cir, Bainbridge, GA 39819

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,711 sqft · built 2007
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Mar 2017)
Tax Bill	$8,986 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Mar 2022 Line of Credit + 4 more
Flood Zone	Zone A (high risk)
APN	`B079D-020-000`

Property Details

APN / Parcel Number

Primary APN	`B079D-020-000`
Alternative APNs	`B079D00000020000` `17174`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	5,711 sqft Heated Area
1st Floor Area	3,116 sqft
Attic	Attic
Attic Area	2,595 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2008
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	60,984 sqft (1.4 acres)
Lot Width	350 ft Width
Garage Area	860 sqft
Parking Spaces	3 Parking Spaces
Pool Area	648 sqft
Porch	Slab
Porch Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17174
Street Address	2102 LOCKLAUREL CIR
City	BAINBRIDGE
State	GA
Zip	39819-7845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	457 459 2102 LOCHLAUREL DR
Legal Subdivision	DOUGLAS HILLS
Legal Block	A
Legal Lot Number	20
Jurisdiction	DECATUR GA
Township / Civil Division	BAINBRIDGE
Census Block Group	4
Census Block	4006
Census Tract	970600

Owner

Source: Decatur County records, as of February 19, 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 Record
Mailing Address	2102 LOCKLAUREL CIR, BAINBRIDGE, GA 39819-7845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ANDREWS FEDERAL CREDIT UNION
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit LOWER
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS
Apr 1, 2020	Warranty Deed, Transfer
Mar 30, 2017	Warranty Deed, Transfer FIRST NATIONAL BANK OF DECATUR COUNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2017 · Amount on Record
Deed Sale	Mar 30, 2017 · Amount on Record
Prior Sale	May 18, 2005 · Amount on Record
Deed Document Number	2017271
Deed Book / Page	410 / 876
Last Transfer Date	Apr 1, 2020
Transfer Doc	000457/459
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	2102 LOCKLAUREL CIR, BAINBRIDGE, GA 39819-7845
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2102 LOCKLAUREL CIR, BAINBRIDGE, GA 39819-7845

Mortgage

Document Number	0000000551/0000000813
Date	Aug 28, 2025
Book Page	0000000551/0000000813

Lender

Name	ANDREWS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2045

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	2102 LOCKLAUREL CIR, BAINBRIDGE, GA 39819-7845
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2102 LOCHLAUREL DR

Mortgage

Document Number	0000000493/0000000955
Date	Mar 14, 2022
Book Page	0000000493/0000000955

Lender

Name	LOWER

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2042

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	2102 LOCKLAUREL CIR, BAINBRIDGE, GA 39819-7845
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2102 LOCHLAUREL DR

Mortgage

Document Number	0000000493/0000000944
Date	Mar 14, 2022
Book Page	0000000493/0000000944

Lender

Name	LOWER

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	2102 LOCKLAUREL CIR, BAINBRIDGE, GA 39819-7845
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2102 LOCHLAUREL DR

Mortgage

Document Number	0000000457/0000000461
Date	Apr 6, 2020
Book Page	0000000457/0000000461

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Apr 1, 2020
Property Address	2102 LOCKLAUREL CIR, BAINBRIDGE, GA 39819-7845
Document Number	000457/459
Book / Page	457 / 459
Instrument Date	Apr 1, 2020
Instrument	2020-000249
Transaction Type	Transfer
Record Updated	Feb 14, 2022

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	2102 LOCKLAUREL CIR, BAINBRIDGE, GA 39819-7845

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Mar 30, 2017
Property Address	2102 LOCKLAUREL CIR, BAINBRIDGE, GA 39819-7845
Document Number	000410/876
Book / Page	410 / 876
Instrument Date	Mar 30, 2017
Instrument	2017-000271
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
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	2102 LOCKLAUREL CIR, BAINBRIDGE, GA 39819-7845

Mortgage

Document Number	000410/878
Date	Mar 31, 2017
Book Page	410/878

Lender

Name	FIRST NATIONAL BANK OF DECATUR COUNTY
Type	Bank

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Apr 1, 2022

Tax Assessment & Valuation

Source: Decatur County assessment roll, as of February 19, 2026

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	$8,986.00 (+4.68%) Homeowner's exemption	$294,041 (+4.98%) Land $12,000 Building $282,041	$735,102 (+4.98%) Land $30,000 Building $705,102
2023	$8,584.00 (+4.48%) Homeowner's exemption	$280,105 Land $12,000 Building $268,105	$700,262 Land $30,000 Building $670,262
2022	$8,216.00

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

Flood

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 51% of the US · above 69% of Georgia
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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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