245 Cloverleaf Cir, Bainbridge, GA 39817 Property Records

Decatur County property record for 245 Cloverleaf Cir, Bainbridge, GA 39817

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,232 sqft · built 2005
Lot Size	0.591 acres (25,745 sqft)
Owner	Individual Name on Record
Last Sale	$5,000 (Sep 2005)
Tax Bill	$1,669 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0075A-077-000`

Property Details

APN / Parcel Number

Primary APN	`0075A-077-000`
Alternative APNs	`0075A00000077000` `6778`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Heated Area
1st Floor Area	1,232 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	25,745 sqft (0.591 acres)

Exterior Amenities

Porch	Slab
Porch Area	70 sqft
Patio Area	112 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	6778
Street Address	245 CLOVERLEAF CIR
City	BAINBRIDGE
State	GA
Zip	39817-8263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	502 423 245 CLOVERLEAF CIRCLE
Legal Subdivision	BRIARWOOD PARK
Legal Block	B
Legal Lot Number	21
Jurisdiction	DECATUR GA
Township / Civil Division	BAINBRIDGE
Census Block Group	2
Census Block	2004
Census Tract	970400

Owner

Source: Decatur County records, as of May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	245 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage THIRD FEDERAL SAVINGS AND LOAN ASSOCIATI
Aug 18, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2005 · Amount on Record
Deed Sale	Sep 12, 2005 · Amount on Record
Prior Sale	Sep 8, 2005 · Amount on Record
Deed Document Number	20051227
Deed Book / Page	201 / 232
Transfer Doc	000201/232
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	245 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263

Mortgage

Document Number	0000000562/0000000599
Date	Mar 31, 2026
Book Page	0000000562/0000000599

Lender

Name	THIRD FEDERAL SAVINGS AND LOAN ASSOCIATI

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2046

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	245 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263

Mortgage

Document Number	0000000502/0000000424
Date	Aug 18, 2022
Book Page	0000000502/0000000424

Lender

Name	AMERICAN FINANCE

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Georgia
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	$1,669.00 (+3.02%) Homeowner's exemption	$63,878 (+10.72%) Land $6,000 Building $57,878	$159,695 (+10.72%) Land $15,000 Building $144,695
2023	$1,620.00 (-2.47%) Homeowner's exemption	$57,691 Land $6,000 Building $51,691	$144,228 Land $15,000 Building $129,228
2022	$1,661.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	10 (1994–2009)
Claims Outside the SFHA	2 of 10
Most Recent Claim	Apr 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds

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 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.05% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Mediacom Xtream Fiber	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cloverleaf Cir

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