Jones County property record for 3986 Upper River Rd, Gray, GA 31032 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2005 |
| Square Footage | 2,011 sqft Heated Area |
| Lot Size | 87,120 sqft (2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $189,000 (2021) |
| Tax Bill | $3,557.00 (2025) |
| Primary APN | J43A-135 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,011 sqft Heated Area |
| 1st Floor | 2,011 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 500 sqft Garage |
| Patio Area | 220 sqft Patio |
| Porch Area | 162 sqft Porch |
| Topography | Rolling Topography |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 10318 |
|---|---|
| Street Address | 3986 UPPER RIVER RD |
| City | GRAY |
| State | GA |
| Zip | 31032-3820 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | UPPER RIVER RD TR A3 PB 13/107 DB 1049/17 |
| Legal Tract | A3 |
| Jurisdiction | JONES GA |
| Minor Civil Division | GRAY-MACON EAST |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 30101 |
Source: Jones County records · APN J43A-135
Assessment roll updated January 21, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3986 UPPER RIVER RD, GRAY, GA 31032-3820 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL |
| Sep 23, 2019 | Grant Deed, Transfer · Veterans Administration Mortgage GUILD MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 21, 2021 · Amount on Record |
| Deed Sale | Jan 21, 2021 · Amount on Record |
| Prior Sale | Sep 19, 2019 · Amount on Record |
| Deed Doc Number | 202144 |
| Deed Book / Page | 1049 / 17 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JONES GA |
| Recording Date | Jan 21, 2021 |
| Property Address | 3986 UPPER RIVER RD, GRAY, GA 31032-3820 |
| Document Number | 0010490017 |
| Book / Page | 1049 / 17 |
| Instrument Date | Jan 21, 2021 |
| Instrument | 2021-000044 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3986 UPPER RIVER RD, GRAY, GA 31032-3820 |
| Document Number | 0010490000000019 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 0000001049/0000000019 |
| Name | CARDINAL FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | JONES GA |
| Recording Date | Sep 23, 2019 |
| Property Address | 3986 UPPER RIVER RD, GRAY, GA 31032-3820 |
| Document Number | 0010070041 |
| Book / Page | 001007 / 000041 |
| Instrument Date | Sep 19, 2019 |
| Instrument | 2671 |
| Transaction Type | Transfer |
| Record Updated | Oct 03, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $175.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 3986 UPPER RIVER RD GRAY GA 310323820, GRAY, GA 31032-3820 |
| Document Number | 10070043 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 001007/000043 |
| Instrument | 2672 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 22, 2049 |
Source: Jones County records · Assessment roll updated January 21, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Jones County |
| Unified School District | Jones County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,557.00 (+43.83%) | $108,446 (+57.49%) Land $8,370 Building $100,076 | $271,116 (+57.49%) Land $20,925 Building $250,191 |
| 2023 | $2,473.00 (+0.24%) | $68,857 (+0.41%) Land $5,580 Building $63,277 | $172,143 (+0.41%) Land $13,950 Building $158,193 |
| 2022 | $2,467.00 | $68,578 Land $5,301 Building $63,277 | $171,446 Land $13,253 Building $158,193 |
Source: FEMA National Flood Hazard Layer, Jones County (13169C), updated October 13, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 47% of the US · above 52% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 1,149 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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