520 Bay Tree Rd, Cairo, GA 39828 Property Records

Grady County property record for 520 Bay Tree Rd, Cairo, GA 39828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 2002
Lot Size	0.539 acres (23,522 sqft)
Owner	Individual Name on Record
Last Sale	$111,000 (May 2018)
Tax Bill	$1,491 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C035A-071-000`

Property Details

APN / Parcel Number

Primary APN	`C035A-071-000`
Alternative APNs	`C035A071` `12996`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,232 sqft Heated Area
1st Floor Area	1,232 sqft
Flooring	Carpet

Exterior

Year Built	Built 2002
Exterior Material	Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,522 sqft (0.539 acres)
Garage Area	264 sqft
Porch	Open Porch
Porch Area	220 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12996
Old Parcel Number	C035A071
Street Address	520 BAY TREE RD
City	CAIRO
State	GA
Zip	39828-3188
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:25 SUBD:OAKHILL EST PHASE:2
Legal Subdivision	OAKHILL EST
Legal Phase	2
Legal Lot Number	25
Jurisdiction	GRADY GA
Township / Civil Division	CAIRO
Census Block Group	4
Census Block	4015
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	520 BAY TREE RD, CAIRO, GA 39828-3188
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Prior Sale	Jan 16, 2014 · Amount on Record
Deed Document Number	0000833191
Deed Book / Page	833 / 191
Record Updated	Jun 8, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	May 25, 2018
Property Address	520 BAY TREE RD, CAIRO, GA 39828-3188
Document Number	000833/191
Book / Page	833 / 191
Instrument Date	May 25, 2018
Instrument	2018-000451
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
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	520 BAY TREE RD, CAIRO, GA 39828-3188

Mortgage

Document Number	000833/193
Date	May 25, 2018
Book Page	833/193

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Jun 1, 2051

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	$1,491.00 (-15.76%)	$49,544 (+10.43%) Land $3,240 Building $46,304	$123,860 (+10.43%) Land $8,100 Building $115,760
2024	$1,770.00 (+19.51%)	$44,864 (+12.09%) Land $3,240 Building $41,624	$112,160 (+12.09%) Land $8,100 Building $104,060
2023	$1,481.00 (+1.72%)	$40,026 (-1.53%) Land $4,800 Building $35,226	$100,065 (-1.53%) Land $12,000 Building $88,065
2022	$1,456.00	$40,648 Land $4,800 Building $35,848	$101,619 Land $12,000 Building $89,619

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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