323 Virginia Cir, Cairo, GA 39828 Property Records

Grady County property record for 323 Virginia Cir, Cairo, GA 39828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,095 sqft · built 2006
Lot Size	3.07 acres (134,165 sqft)
Owner	Individual Name on File
Last Sale	$189,000 (Feb 2007)
Tax Bill	$2,236 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0094B-051-000`

Property Details

APN / Parcel Number

Primary APN	`0094B-051-000`
Alternative APNs	`0094B051` `8366`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,095 sqft Heated Area
1st Floor Area	2,095 sqft
Flooring	Carpet

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2007
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	134,165 sqft (3.07 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	305 sqft
Patio Area	128 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8366
Old Parcel Number	0094B051
Street Address	323 VIRGINIA CIR
City	CAIRO
State	GA
Zip	39828-6880
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:51 LANDLOT:51 DIST:18 SUBD:SOUTHERN PINES
Legal Subdivision	SOUTHERN PINES
Legal Lot Number	51
Jurisdiction	GRADY GA
Township / Civil Division	CAIRO
Census Block Group	1
Census Block	1016
Census Tract	950402

Owner

323 Virginia Cir is owned and occupied by an individual who bought it in February 2007.

Source: Grady County records, as of March 4, 2026

Owner of Record	Individual Name on File
Mailing Address	323 VIRGINIA CIR, CAIRO, GA 39828-6880
Occupancy	Owner Occupied
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
Apr 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS
Apr 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2007 · Amount on File
Deed Sale	Feb 13, 2007 · Amount on File
Deed Document Number	0000064747
Deed Book / Page	647 / 47
Prior Transfer Date	Feb 7, 2007
Prior Transfer Doc	0000647/47
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	323 VIRGINIA CIR, CAIRO, GA 39828-6880
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000816/530
Date	Apr 28, 2017
Book Page	816/530

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2032

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	323 VIRGINIA CIR, CAIRO, GA 39828-6880
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 VIRGINIA CIR, CAIRO, GA 39828-6880

Mortgage

Document Number	0000000862/0000000455
Date	Feb 26, 2020
Book Page	0000000862/0000000455

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2040

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	323 VIRGINIA CIR, CAIRO, GA 39828-6880
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 VIRGINIA CIR, CAIRO, GA 39828-6880

Mortgage

Document Number	0000000885/0000000048
Date	Apr 7, 2021
Book Page	0000000885/0000000048

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	323 VIRGINIA CIR, CAIRO, GA 39828-6880
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 VIRGINIA CIR, CAIRO, GA 39828-6880

Mortgage

Document Number	0000000907/0000000354
Date	Apr 12, 2022
Book Page	0000000907/0000000354

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 323 Virginia Cir was $2,236 with exemptions applied, down 20.8% 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	$2,236.00 (-20.82%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$107,882 (+9.63%) Land $17,248 Building $90,634	$269,704 (+9.63%) Land $43,120 Building $226,584
2024	$2,824.00 (+41.41%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$98,410 (+37.63%) Land $17,248 Building $81,162	$246,024 (+37.63%) Land $43,120 Building $202,904
2023	$1,997.00 (+1.78%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$71,504 (-) Land $3,400 Building $68,104	$178,760 (-) Land $8,500 Building $170,260
2022	$1,962.00 Senior Citizen's exemption Additional exemption filed	$71,504 Land $3,400 Building $68,104	$178,760 Land $8,500 Building $170,260

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 323 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 323 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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