457 Bay Tree Rd, Cairo, GA 39828 Property Records

Grady County property record for 457 Bay Tree Rd, Cairo, GA 39828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,313 sqft · built 1997
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on File
Last Sale	$67,500 (Sep 1999)
Tax Bill	$1,528 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C035A-050-000`

Property Details

APN / Parcel Number

Primary APN	`C035A-050-000`
Alternative APNs	`C035A050` `12978`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,313 sqft Heated Area
1st Floor Area	1,313 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	29,621 sqft (0.68 acres)

Exterior Amenities

Porch	Slab
Porch Area	25 sqft
Patio Area	112 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12978
Street Address	457 BAY TREE RD
City	CAIRO
State	GA
Zip	39828-3179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK HILL EST UNIT 2 L-17
Legal Subdivision	OAKHILL EST
Legal Lot Number	17
Legal Unit	2
Jurisdiction	GRADY GA
Township / Civil Division	CAIRO
Census Block Group	4
Census Block	4012
Census Tract	950402

Owner

457 Bay Tree Rd is owned and occupied by two individuals who bought it in September 1999.

Source: Grady County records, as of August 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	457 BAY TREE RD, CAIRO, GA 39828-3179
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 1999 · Amount on File
Deed Sale	Sep 3, 1999 · Amount on File
Prior Sale	Mar 31, 1990
Deed Book / Page	483 / 224
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Recording Date	Jul 1, 2026
Property Address	457 BAY TREE RD, CAIRO, GA 39828-3179
Document Number	0980000315
Book / Page	980 / 315
Instrument Date	Jun 25, 2026
Transaction Type	Mortgage
Record Updated	Aug 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	457 BAY TREE RD, CAIRO, GA 39828-3179

Mortgage

Document Number	0980000315,
Date	Jul 1, 2026
Book Page	980/315

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 1, 2051

Interest

Rate	6.53%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 457 Bay Tree Rd was $1,528 with a homeowner's exemption, down 23.8% from the year before.

Source: Grady County assessment roll, as of March 5, 2026

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	$1,528.00 (-23.79%) Homeowner's exemption	$58,246 (+11.17%) Land $4,080 Building $54,166	$145,616 (+11.17%) Land $10,200 Building $135,416
2024	$2,005.00 (+53.17%) Homeowner's exemption	$52,394 (+41.48%) Land $4,080 Building $48,314	$130,986 (+41.48%) Land $10,200 Building $120,786
2023	$1,309.00 (-1.28%) Homeowner's exemption	$37,032 (-) Land $6,000 Building $31,032	$92,580 (-) Land $15,000 Building $77,580
2022	$1,326.00 Homeowner's exemption	$37,032 Land $6,000 Building $31,032	$92,580 Land $15,000 Building $77,580

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

Flood

FEMA maps place 457 Bay Tree Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 457 Bay Tree Rd is moderate, ranking above 42% 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 42% of the US · lower than 65% of Georgia
Wildfire Likelihood	0.06% 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 16 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
Verizon Fixed Wireless	300 / 20
Windstream DSL	100 / 20