287 Cloverleaf Cir, Bainbridge, GA 39817 Property Records

Decatur County property record for 287 Cloverleaf Cir, Bainbridge, GA 39817

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,300 sqft · built 1988
Lot Size	0.265 acres (11,565 sqft)
Owner	Individual Name on Record
Last Sale	$212,000 (Oct 2025)
Tax Bill	$1,864 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0075A-069-000`

Property Details

APN / Parcel Number

Primary APN	`0075A-069-000`
Alternative APNs	`0075A00000069000` `6772`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Heated Area
1st Floor Area	1,300 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	11,565 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	192 sqft
Patio Area	112 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	6772
Old Parcel Number	0075A00000069000
Street Address	287 CLOVERLEAF CIR
City	BAINBRIDGE
State	GA
Zip	39817-8263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	499 43 287 CLOVERLEAF CIRCLE
Legal Subdivision	BRIARWOOD PARK
Legal Block	B
Legal Lot Number	13
Jurisdiction	DECATUR GA
Township / Civil Division	BAINBRIDGE
Census Block Group	2
Census Block	2004
Census Tract	970400

Owner

Source: Decatur County records, as of February 18, 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	287 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL
Sep 25, 2023	Deed of Trust, Mortgage · VA Mortgage HOMESTAR FINANCIAL
Oct 31, 2025	Warranty Deed, Transfer · SBA Mortgage FIRST NATIONAL BANK OF DECATUR COUN
Jun 3, 2022	Deed of Trust, Mortgage · VA Mortgage HOMESTAR FINANCIAL
May 31, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Prior Sale	May 31, 2022 · Amount on Record
Deed Document Number	0000554833
Deed Book / Page	554 / 833
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	287 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000407/532
Date	Jan 19, 2017
Book Page	407/532

Lender

Name	HOMESTAR FINANCIAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	287 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263

Mortgage

Document Number	0000000519/0000000852
Date	Sep 25, 2023
Book Page	0000000519/0000000852

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2052

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Oct 31, 2025
Property Address	287 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263
Document Number	000554/833
Book / Page	554 / 833
Instrument Date	Oct 31, 2025
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2.12
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263

Mortgage

Document Number	0000554835
Date	Oct 31, 2025
Instrument	554/835

Lender

Name	FIRST NATIONAL BANK OF DECATUR COUN

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	63 Months
Due	Jan 1, 2031

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	287 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263

Mortgage

Document Number	0000000499/0000000045
Date	Jun 3, 2022
Book Page	0000000499/0000000045

Lender

Name	HOMESTAR FINANCIAL

Agreement

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

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	May 31, 2022
Property Address	287 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263
Document Number	0000499/43
Book / Page	499 / 43
Instrument Date	May 31, 2022
Instrument	2022-000600
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 CLOVERLEAF CIR, BAINBRIDGE, GA 39817-8263

Tax Assessment & Valuation

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

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	$1,864.00 (+11.48%)	$62,424 (+12.41%) Land $6,000 Building $56,424	$156,060 (+12.41%) Land $15,000 Building $141,060
2024	$1,672.00 (+3.53%)	$55,530 (-) Land $6,000 Building $49,530	$138,825 (-) Land $15,000 Building $123,825
2023	$1,615.00 (+4.73%)	$55,530 Land $6,000 Building $49,530	$138,825 Land $15,000 Building $123,825
2022	$1,542.00

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

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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