494 Ridge Rd, Cairo, GA 39827 Property Records

Grady County property record for 494 Ridge Rd, Cairo, GA 39827

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 1983
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Nov 2022)
Tax Bill	$1,594 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2013 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`00510-011-000`

Property Details

APN / Parcel Number

Primary APN	`00510-011-000`
Alternative APNs	`00510011` `3699`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,616 sqft Heated Area
1st Floor Area	1,616 sqft
Utility Area	100 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft

Exterior Amenities

Porch	Patio
Porch Area	432 sqft
Lean-To	384 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	3699
Street Address	494 RIDGE RD
City	CAIRO
State	GA
Zip	39827-7320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LL 301 LD 17
Legal Subdivision	JOHN R HIGGINBOTHAM
Jurisdiction	GRADY GA
Township / Civil Division	CAIRO
Census Block Group	1
Census Block	1030
Census Tract	950401

Owner

494 Ridge Rd is owned and occupied by two individuals who acquired it in December 2022.

Source: Grady County records, as of March 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	494 RIDGE RD, CAIRO, GA 39827-7320
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
Feb 3, 2023	Deed of Trust, Mortgage · Commercial Mortgage THOMASVILLE NATIONAL BANK
Dec 26, 2013	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 7, 2022	Warranty Deed, Transfer
Nov 14, 2022	Warranty Deed, Transfer · Conventional Mortgage HIGGINBOTHAM JOHN R
Nov 14, 2022	Warranty Deed, Transfer · Conventional Mortgage HIGGINBOTHAM JOHN R
Feb 11, 2020	Warranty Deed, Transfer UNITED NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2022 · Amount on File
Deed Sale	Nov 17, 2022 · Amount on File
Prior Sale	Feb 11, 2020 · Amount on File
Deed Document Number	2022946
Deed Book / Page	918 / 457
Last Transfer Date	Dec 7, 2022
Transfer Doc	000919/244
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	494 RIDGE RD, CAIRO, GA 39827-7320
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 RIDGE RD, CAIRO, GA 39827-7320

Mortgage

Document Number	0000000921/0000000127
Date	Feb 3, 2023
Book Page	0000000921/0000000127

Lender

Name	THOMASVILLE NATIONAL BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	24 Months
Due	Jan 1, 2025

December 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	494 RIDGE RD, CAIRO, GA 39827-7320
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000767/74
Date	Dec 26, 2013
Book Page	767/74

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2044

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Dec 7, 2022
Property Address	494 RIDGE RD, CAIRO, GA 39827-7320
Document Number	000919/244
Book / Page	919 / 244
Instrument Date	Dec 7, 2022
Instrument	2022-000996
Transaction Type	Transfer
Record Updated	May 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 BUTTERFIELD ST, THOMASVILLE, GA 31757-5616

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Nov 14, 2022
Property Address	494 RIDGE RD, CAIRO, GA 39827-7320
Document Number	000918/457
Book / Page	918 / 457
Instrument Date	Nov 14, 2022
Instrument	2022-000946
Transaction Type	Transfer
Record Updated	May 2, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	494 RIDGE RD, CAIRO, GA 39827-7320

Mortgage

Document Number	0000000918/0000000460
Date	Nov 17, 2022
Book Page	0000000918/0000000460

Lender

Name	HIGGINBOTHAM JOHN R

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	144 Months
Due	Jan 1, 2034

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Nov 14, 2022
Property Address	494 RIDGE RD, CAIRO, GA 39827-7320
Document Number	000918/457
Book / Page	918 / 457
Instrument Date	Nov 14, 2022
Instrument	2022-000946
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
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	494 RIDGE RD, CAIRO, GA 39827-7320

Mortgage

Document Number	0000918460
Date	Nov 14, 2022
Instrument	918/460

Lender

Name	HIGGINBOTHAM JOHN R

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	134 Months
Due	Jan 1, 2034

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Feb 11, 2020
Property Address	494 RIDGE RD, CAIRO, GA 39827-7320
Document Number	000861/661
Book / Page	861 / 661
Instrument Date	Feb 11, 2020
Instrument	2020-000122
Transaction Type	Transfer
Record Updated	Mar 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	570 RIDGE RD, CAIRO, GA 39827-7333

Mortgage

Document Number	0000000861/0000000605
Date	Feb 10, 2020
Book Page	0000000861/0000000605

Lender

Name	UNITED NATIONAL BANK

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 494 Ridge Rd was $1,594 with a homeowner's exemption, down 32.5% from the year before.

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

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	$1,594.00 (-32.46%) Homeowner's exemption	$98,394 (+24.98%) Land $8,358 Building $90,036	$245,983 (+24.98%) Land $20,894 Building $225,089
2024	$2,360.00 (+3,422.39%) Homeowner's exemption	$78,730 (+65.14%) Land $8,358 Building $70,372	$196,824 (+65.14%) Land $20,894 Building $175,930
2023	$67.00 (-95.43%)	$47,676 (-) Land $3,888 Building $43,788	$119,189 (-) Land $9,720 Building $109,469
2022	$1,467.00	$47,676 Land $3,888 Building $43,788	$119,189 Land $9,720 Building $109,469

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 494 Ridge Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 28, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 494 Ridge Rd is moderate, ranking above 40% 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 40% of the US · lower than 73% 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 7 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures