318 E Water St, Bainbridge, GA 39817 Property Records

Decatur County property record for 318 E Water St, Bainbridge, GA 39817

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1 ba · 640 sqft · built 1885
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$95,000 (Feb 2026)
Tax Bill	$466 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`B0330-088-000`

Property Details

APN / Parcel Number

Primary APN	`B0330-088-000`
Alternative APNs	`B033000000088000` `13055`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	640 sqft Total Area
1st Floor Area	640 sqft
Flooring	Vinyl/Resilient
Interior Walls	Paneling

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1995
Exterior Material	Brick
Construction Type	Heavy Frame
Roof Material	Metal
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	80 ft deep x 20 ft wide
Canopy	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13055
Street Address	318 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	523 342 318 WATER ST
Legal Subdivision	HICKS
Legal Lot Number	4
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

318 E Water St, a commercial property, is owned by two individuals who bought it in February 2026.

Source: Decatur County records, as of April 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1095 OLD PELHAM RD, CLIMAX, GA 39834-2323
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Quit Claim Deed, Transfer Quitclaim
Feb 25, 2026	Warranty Deed, Transfer FIRST NATIONAL BANK OF DECATUR COUNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2026 · Amount on File
Deed Sale	Feb 25, 2026 · Amount on File
Deed Book / Page	560 / 594
Prior Transfer Date	Feb 23, 2026
Prior Transfer Doc	000560/570
Record Updated	Sep 20, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DECATUR GA
Recording Date	Feb 24, 2026
Property Address	318 E WATER ST, BAINBRIDGE, GA 39817-3738
Document Number	000560/570
Book / Page	560 / 570
Instrument Date	Feb 23, 2026
Transaction Type	Transfer
Record Updated	Apr 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7909 SPRING CREEK DR, DONALSONVILLE, GA 39845-6946

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR GA
Recording Date	Feb 25, 2026
Property Address	318 E WATER ST, BAINBRIDGE, GA 39817-3738
Document Number	000560/594
Book / Page	560 / 594
Instrument Date	Feb 23, 2026
Transaction Type	Transfer
Record Updated	Apr 20, 2026

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	1095 OLD PELHAM RD, CLIMAX, GA 39834-2323

Mortgage

Document Number	0000000560/0000000596
Date	Feb 25, 2026
Book Page	0000000560/0000000596

Lender

Name	FIRST NATIONAL BANK OF DECATUR COUNTY

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 318 E Water St was $466.

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	$466.00	$14,480 Land $1,308 Building $13,172	$36,200 Land $3,270 Building $32,930
2023	$411.00 (+3.53%)	$13,342 Land $1,308 Building $12,034	$33,355 Land $3,270 Building $30,085
2022	$397.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 318 E Water St in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

Wildfire risk around 318 E Water St is low, with less than a 0.01% annual chance of 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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