320 E Water St, Bainbridge, GA 39817 Property Records

Decatur County property record for 320 E Water St, Bainbridge, GA 39817

Property Summary

Property Type	Barber/Hair Salon
Details	1 ba · 1,323 sqft · built 1885
Lot Size	0.04 acres (1,742 sqft)
Owner	Company Name on Record
Tax Bill	$763 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Apr 2019 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`B0330-087-000`

Property Details

APN / Parcel Number

Primary APN	`B0330-087-000`
Alternative APNs	`B033000000087000` `13054`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,323 sqft Total Area
1st Floor Area	1,323 sqft
Basement Area	873 sqft
Unfinished Basement	873 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1885
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Heavy Frame
Roof Material	Metal
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	80 ft deep x 21 ft wide
Canopy	146 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13054
Street Address	320 E WATER ST
City	BAINBRIDGE
State	GA
Zip	39817-3738
Property Category	Commercial
Property Type	Commercial > Retail > Barber/Hair Salon
Legal Description	509 776 320 WATER ST
Legal Subdivision	HICKS
Legal Lot Number	5
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 February 19, 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	858 ANTIOCH CHURCH RD, CLIMAX, GA 39834-2664
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF DECATUR COUNTY
Apr 24, 2019	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF DECATUR COUNTY
Feb 14, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2023
Deed Sale	Feb 14, 2023
Prior Sale	Jan 9, 2012 · Amount on Record
Deed Document Number	2023126
Deed Book / Page	509 / 776
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	320 E WATER ST, BAINBRIDGE, GA 39817-3738
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000426/715
Date	Apr 18, 2018
Book Page	426/715

Lender

Name	FIRST NATIONAL BANK OF DECATUR COUNTY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 1, 2023

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR GA
Property Address	320 E WATER ST, BAINBRIDGE, GA 39817-3738
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 WATER

Mortgage

Document Number	0000000443/0000000095
Date	Apr 24, 2019
Book Page	0000000443/0000000095

Lender

Name	FIRST NATIONAL BANK OF DECATUR COUNTY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2020

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DECATUR GA
Recording Date	Feb 14, 2023
Property Address	320 E WATER ST, BAINBRIDGE, GA 39817-3738
Document Number	000509/776
Book / Page	509 / 776
Instrument Date	Feb 14, 2023
Instrument	2023-000126
Transaction Type	Transfer
Record Updated	Apr 29, 2024

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	858 ANTIOCH CHURCH RD, CLIMAX, GA 39834-2664

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	$763.00 (+24.88%)	$23,676 (+19.33%) Land $1,374 Building $22,302	$59,189 (+19.34%) Land $3,434 Building $55,755
2023	$611.00 (-1.77%)	$19,840 Land $1,374 Building $18,466	$49,598 Land $3,434 Building $46,164
2022	$622.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 moderate risk · 1% annual chance, drainage area under 1 sq mi
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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