409 Bay Tree Rd, Cairo, GA 39828 Property Records

Grady County property record for 409 Bay Tree Rd, Cairo, GA 39828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,368 sqft · built 1995
Lot Size	1.64 acres (71,438 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Jan 2022)
Tax Bill	$2,065 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`C035A-014-000`

Property Details

APN / Parcel Number

Primary APN	`C035A-014-000`
Alternative APNs	`C035A014` `12939`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,368 sqft Heated Area
1st Floor Area	1,368 sqft
Flooring	Carpet

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2007
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	71,438 sqft (1.64 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12939
Old Parcel Number	C035A014
Street Address	409 BAY TREE RD
City	CAIRO
State	GA
Zip	39828-3179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:14 BLK:1 SUBD:OAKHILL EST
Legal Subdivision	OAKHILL EST
Legal Block	1
Legal Lot Number	14
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	208 FALCON CT, HAMPTON, VA 23665-2539
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · VA Mortgage USAA FEDERAL SAVINGS BANK
Jan 14, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2022 · Amount on Record
Deed Sale	Jan 14, 2022 · Amount on Record
Deed Document Number	0000902279
Deed Book / Page	902 / 279
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	409 BAY TREE RD, CAIRO, GA 39828-3179
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 BAY TREE RD, CAIRO, GA 39828-3179

Mortgage

Document Number	0000000902/0000000281
Date	Jan 14, 2022
Book Page	0000000902/0000000281

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Jan 14, 2022
Property Address	409 BAY TREE RD, CAIRO, GA 39828-3179
Document Number	000902/279
Book / Page	902 / 279
Instrument Date	Jan 14, 2022
Instrument	2022-000040
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
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	1212 1ST AVE SW, CAIRO, GA 39828-2891

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	$2,065.00 (-15.78%)	$68,598 (+10.33%) Land $9,840 Building $58,758	$171,494 (+10.33%) Land $24,600 Building $146,894
2024	$2,452.00 (+74.77%)	$62,174 (+63.94%) Land $9,840 Building $52,334	$155,436 (+63.94%) Land $24,600 Building $130,836
2023	$1,403.00 (+3.31%)	$37,924 (-) Land $6,000 Building $31,924	$94,810 (-) Land $15,000 Building $79,810
2022	$1,358.00	$37,924 Land $6,000 Building $31,924	$94,810 Land $15,000 Building $79,810

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

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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