Irwin County property record for 264 Cardinal Rd, Wray, GA 31798
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,286 sqft · built 1978 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $151,000 (Dec 2021) |
| Tax Bill | $1,331 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0098 0009 |
| Primary APN | 0098 0009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,286 sqft Heated Area |
| 1st Floor Area | 1,286 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 87,120 sqft (2 acres) |
| Terrain | Wet |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Slab |
| Porch Area | 212 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 2704 |
|---|---|
| Street Address | 264 CARDINAL RD |
| City | WRAY |
| State | GA |
| Zip | 31798-3504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AU |
| Legal Description | LL15-5TH |
| Jurisdiction | IRWIN GA |
| Township / Civil Division | HOLT |
| Census Block Group | 3 |
| Census Block | 3084 |
| Census Tract | 950201 |
Source: Irwin County records, as of March 31, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 264 CARDINAL RD, WRAY, GA 31798-3504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2021 | Warranty Deed, Transfer · VA Mortgage RENASANT BANK |
| Apr 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF COFFEE COUNTY |
| Mar 29, 2021 | Warranty Deed, Transfer · Line of Credit FIRST NATIONAL BANK OF COFFEE COUNTY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2021 · Amount on Record |
| Deed Sale | Dec 15, 2021 · Amount on Record |
| Prior Sale | Mar 29, 2021 · Amount on Record |
| Deed Document Number | 2021420 |
| Deed Book / Page | 407 / 35 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | IRWIN GA |
| Recording Date | Dec 15, 2021 |
| Property Address | 264 CARDINAL RD, WRAY, GA 31798-3504 |
| Document Number | 0000407/35 |
| Book / Page | 407 / 35 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 2021-000420 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 264 CARDINAL RD, WRAY, GA 31798-3504 |
| Document Number | 0000040837 |
|---|---|
| Date | Dec 15, 2021 |
| Instrument | 408/37 |
| Name | RENASANT BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IRWIN GA |
| Property Address | 264 CARDINAL RD, WRAY, GA 31798-3504 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 264 CARDINAL RD, WRAY, GA 31798-3504 |
| Document Number | 0000000397/0000000181 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 0000000397/0000000181 |
| Name | FIRST NATIONAL BANK OF COFFEE COUNTY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | IRWIN GA |
| Recording Date | Mar 29, 2021 |
| Property Address | 264 CARDINAL RD, WRAY, GA 31798-3504 |
| Document Number | 397/179 |
| Book / Page | 397 / 179 |
| Instrument Date | Mar 29, 2021 |
| Instrument | 2021-000123 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 145 MOCKINGBIRD LN, DOUGLAS, GA 31535-3845 |
| Document Number | 0000000397/0000000181 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 0000000397/0000000181 |
| Name | FIRST NATIONAL BANK OF COFFEE COUNTY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2022 |
Source: Irwin County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Irwin County |
| Unified School District | Irwin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,331.00 (+27.74%) | $47,520 (+43.65%) Land $3,240 Building $44,280 | $118,800 (+43.65%) Land $8,100 Building $110,700 |
| 2023 | $1,042.00 | $33,081 Land $3,200 Building $29,881 | $82,702 Land $8,000 Building $74,702 |
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.
Source: FEMA National Flood Hazard Layer, effective August 3, 2009
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 87% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Conexon Connect Fiber | 2,000 / 2,000 |
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