405 Bay Tree Rd, Cairo, GA 39828 Property Records

Grady County property record for 405 Bay Tree Rd, Cairo, GA 39828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,250 sqft · built 1996
Lot Size	1.63 acres (71,003 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Apr 2024)
Tax Bill	$2,278 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Nov 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C035A-013-000`

Property Details

APN / Parcel Number

Primary APN	`C035A-013-000`
Alternative APNs	`C035A013` `12938`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,250 sqft Heated Area
1st Floor Area	1,250 sqft
Flooring	Carpet

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	71,003 sqft (1.63 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Patio Area	80 sqft
Storage Building	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12938
Street Address	405 BAY TREE RD
City	CAIRO
State	GA
Zip	39828-3179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:13 BLK:1 SUBD:OAKHILL EST
Legal Subdivision	OAKHILL EST
Legal Block	1
Legal Lot Number	13
Jurisdiction	GRADY GA
Township / Civil Division	CAIRO
Census Block Group	4
Census Block	4012
Census Tract	950402

Owner

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

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	405 BAY TREE RD, CAIRO, GA 39828-3179
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2024	Limited Warranty Deed, Transfer · FHA Mortgage MORTGAGE SOLUTIONS OF GEORGIA
Nov 7, 2023	Warranty Deed, Transfer
Oct 17, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2024 · Amount on File
Deed Sale	Apr 22, 2024 · Amount on File
Prior Sale	Nov 7, 2023 · Amount on File
Deed Document Number	0000941255
Deed Book / Page	941 / 255
Record Updated	Jun 8, 2026

April 2024: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Apr 22, 2024
Property Address	405 BAY TREE RD, CAIRO, GA 39828-3179
Document Number	000941/255
Book / Page	941 / 255
Instrument Date	Apr 19, 2024
Transaction Type	Transfer
Record Updated	May 17, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	405 BAY TREE RD, CAIRO, GA 39828-3179

Mortgage

Document Number	0000000941/0000000258
Date	Apr 22, 2024
Book Page	0000000941/0000000258

Lender

Name	MORTGAGE SOLUTIONS OF GEORGIA

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Nov 7, 2023
Property Address	405 BAY TREE RD, CAIRO, GA 39828-3179
Document Number	000934/249
Book / Page	934 / 249
Instrument Date	Nov 7, 2023
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Amount	Amount on Record
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	15 N MOODY DR, RAY CITY, GA 31645-3742

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Oct 17, 2023
Property Address	405 BAY TREE RD, CAIRO, GA 39828-3179
Document Number	000933/267
Book / Page	933 / 267
Instrument Date	Oct 17, 2023
Instrument	2023000876
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

Amount	Amount on Record
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	405 BAY TREE RD, CAIRO, GA 39828-3179

Tax Assessment & Valuation

Source: Grady County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
Municipality	Cairo City
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	$2,278.00 (+11.67%)	$75,678 (+46.29%) Land $9,780 Building $65,898	$189,194 (+46.29%) Land $24,450 Building $164,744
2024	$2,040.00 (+54.08%)	$51,730 (+44.61%) Land $9,780 Building $41,950	$129,325 (+44.61%) Land $24,450 Building $104,875
2023	$1,324.00 (+3.2%)	$35,772 (-0.11%) Land $6,000 Building $29,772	$89,430 (-0.11%) Land $15,000 Building $74,430
2022	$1,283.00	$35,812 Land $6,000 Building $29,812	$89,530 Land $15,000 Building $74,530

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 September 28, 2016

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 64% of the US · lower than 87% of Georgia
Wildfire Likelihood	0.04% 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	CAIRO serves 9,637 people · EPA ID GA1310000
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Conexon Connect.

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