304 E Water St, Bainbridge, GA 39817 Property Records

Decatur County property record for 304 E Water St, Bainbridge, GA 39817

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1 ba · 1,260 sqft · built 1890
Lot Size	0.03 acres (1,307 sqft)
Owner	Company Name on Record
Last Sale	$215,000 (Sep 2025)
Tax Bill	$784 (2025)
Deeds & Mortgages	Sep 2025 Sale Mar 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B0330-091-002`

Property Details

APN / Parcel Number

Primary APN	`B0330-091-002`
Alternative APNs	`B033000000091002` `13058`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,260 sqft Total Area
1st Floor Area	1,260 sqft
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1988
Exterior Material	Brick
Construction Type	Heavy Frame
Roof Material	Tar & Gravel
Lot Area	1,307 sqft (0.03 acres)
Lot Dimensions	63 ft deep x 20 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13058
Street Address	304 E WATER ST
City	BAINBRIDGE
State	GA
Zip	39817-3738
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	458 607 UNIT 2 304 WATER ST
Legal Subdivision	WATER STREET CONDO
Legal Unit	2
Jurisdiction	DECATUR GA
Township / Civil Division	BAINBRIDGE
Census Block Group	4
Census Block	4033
Census Tract	970400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bainbridge Residential Historic District listed 1987 · 198 contributing resources · NRIS 87001907

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Decatur County records, as of April 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	3773 E HIGHWAY 84 ST, WHIGHAM, GA 39897
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Warranty Deed, Transfer
Mar 22, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST PORT CITY BANK
Apr 29, 2020	Warranty Deed, Transfer · Conventional Mortgage WILKINSON NICKEE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Apr 29, 2020 · Amount on Record
Deed Book / Page	552 / 554
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Sep 12, 2025
Property Address	304 E WATER ST, BAINBRIDGE, GA 39817-3738
Document Number	000552/554
Book / Page	552 / 554
Instrument Date	Sep 1, 2025
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3773 US HIGHWAY 84 W, WHIGHAM, GA 39897-3115

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	304 E WATER ST, BAINBRIDGE, GA 39817-3738
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E WATER ST, BAINBRIDGE, GA 39817-3738

Mortgage

Document Number	0000000527/0000000746
Date	Mar 22, 2024
Book Page	0000000527/0000000746

Lender

Name	FIRST PORT CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jan 1, 2027

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Apr 29, 2020
Property Address	304 E WATER ST, BAINBRIDGE, GA 39817-3738
Document Number	000458/607
Book / Page	458 / 607
Instrument Date	Apr 29, 2020
Instrument	2020-000384
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
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	304 E WATER ST, BAINBRIDGE, GA 39817-3738

Mortgage

Document Number	0000458609
Date	Apr 29, 2020
Instrument	458/609

Lender

Name	WILKINSON NICKEE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	153 Months
Due	Jan 1, 2033

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	$784.00 (+21.36%)	$24,327 (+18.94%) Land $1,087 Building $23,240	$60,817 (+18.94%) Land $2,718 Building $58,099
2024	$646.00 (+2.54%)	$20,453 (-) Land $1,087 Building $19,366	$51,134 (-) Land $2,718 Building $48,416
2023	$630.00 (-7.08%)	$20,453 Land $1,087 Building $19,366	$51,134 Land $2,718 Building $48,416
2022	$678.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	Low lower than 98% of the US · lower than 99.2% of Georgia
Wildfire Likelihood	Under 0.01% 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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Bainbridge Fiber, T-Mobile.

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