281 Virginia Cir, Cairo, GA 39828 Property Records

Grady County property record for 281 Virginia Cir, Cairo, GA 39828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,743 sqft · built 2005
Lot Size	2.95 acres (128,502 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Feb 2026)
Tax Bill	$2,243 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit Apr 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0094B-048-000`

Property Details

APN / Parcel Number

Primary APN	`0094B-048-000`
Alternative APNs	`0094B048` `8363`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,743 sqft Heated Area
1st Floor Area	1,743 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Exterior Material	Fiber Cement Siding
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	128,502 sqft (2.95 acres)
Garage Type	Carport
Carport	Carport
Carport Area	944 sqft

Exterior Amenities

Pool Area	595 sqft
Porch	Open Porch
Porch Area	111 sqft
Deck Area	480 sqft
Storage Building	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8363
Street Address	281 VIRGINIA CIR
City	CAIRO
State	GA
Zip	39828-6891
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:48 LANDLOT:51 DIST:18 SUBD:SOUTHERN PINES
Legal Subdivision	SOUTHERN PINES
Legal Lot Number	48
Jurisdiction	GRADY GA
Township / Civil Division	CAIRO
Census Block Group	1
Census Block	1016
Census Tract	950402

Owner

281 Virginia Cir is owned and occupied by an individual who bought it in February 2026.

Source: Grady County records, as of March 13, 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 File
Mailing Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2018	Deed of Trust, Mortgage · Line of Credit FIRST COMMERCE CREDIT UNION
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMERCE CREDIT UNION
Nov 17, 2025	Deed of Trust, Mortgage · Land Contract FIRST COMMERCE CREDIT UNION
Jun 5, 2006	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE
Apr 26, 2006	Deed of Trust, Mortgage · Conventional Mortgage THOMASVILLE NATIONAL BANK
Feb 2, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE
Jun 2, 2006	Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2026 · Amount on File
Deed Sale	Feb 2, 2026 · Amount on File
Prior Sale	Sep 1, 2010
Deed Document Number	0000972678
Deed Book / Page	972 / 678
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891

Mortgage

Document Number	0000000840/0000000728
Date	Nov 8, 2018
Book Page	0000000840/0000000728

Lender

Name	FIRST COMMERCE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891

Mortgage

Document Number	0000000885/0000000443
Date	Apr 16, 2021
Book Page	0000000885/0000000443

Lender

Name	FIRST COMMERCE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2041

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891

Mortgage

Document Number	0000000969/0000000218
Date	Nov 17, 2025
Book Page	0000000969/0000000218

Lender

Name	FIRST COMMERCE CREDIT UNION

Agreement

Type	Land Contract
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000631/792
Date	Jun 5, 2006
Book Page	631/792

Lender

Name	SUNTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2036

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000629/226
Date	Apr 26, 2006
Book Page	629/226

Lender

Name	THOMASVILLE NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Feb 2, 2026
Property Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891
Document Number	000972/678
Book / Page	972 / 678
Instrument Date	Feb 2, 2026
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891

Mortgage

Document Number	0000972681
Date	Feb 2, 2026
Instrument	972/681

Lender

Name	AMERICAN PACIFIC MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2056

June 2006: Deed, Transfer

Document Type	Deed
Jurisdiction	GRADY GA
Recording Date	Jun 2, 2006
Property Address	281 VIRGINIA CIR, CAIRO, GA 39828-6891
Document Number	000631/774
Book / Page	631 / 774
Instrument Date	Jun 2, 2006
Instrument	2006-000723
Transaction Type	Transfer
Record Updated	Sep 20, 2023

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	60 WAKULLA CIR, PANACEA, FL 32346-2654

Mortgage

Document Number	000631/776
Date	Jun 5, 2006
Book Page	631/776

Lender

Name	SUNTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 281 Virginia Cir was $2,243 with a homeowner's exemption, down 20.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Georgia
County	Grady County
Unified School District	Grady County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,243.00 (-20.57%) Homeowner's exemption	$101,852 (+8.58%) Land $16,520 Building $85,332	$254,631 (+8.58%) Land $41,300 Building $213,331
2024	$2,824.00 (+28.71%) Homeowner's exemption	$93,801 (+27.99%) Land $16,520 Building $77,281	$234,503 (+27.99%) Land $41,300 Building $193,203
2023	$2,194.00 (+8.72%) Homeowner's exemption	$73,288 (-0.34%) Land $3,400 Building $69,888	$183,220 (-0.34%) Land $8,500 Building $174,720
2022	$2,018.00 Homeowner's exemption	$73,539 Land $3,400 Building $70,139	$183,848 Land $8,500 Building $175,348

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 281 Virginia Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 28, 2016

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.

Wildfire

Wildfire risk around 281 Virginia Cir is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 61% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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