964 Richter Rd, Cairo, GA 39827 Property Records

Grady County property record for 964 Richter Rd, Cairo, GA 39827

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1997
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$8,000 (Aug 2021)
Tax Bill	$77 (2025)
Deeds & Mortgages	Jul 2015 Mortgage Aug 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00650-054-000`

Property Details

APN / Parcel Number

Primary APN	`00650-054-000`
Alternative APNs	`00650054` `4901`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft
1st Floor Area	1,050 sqft
Flooring	Tile

Exterior

Year Built	Built 1997
Exterior Material	Siding
Lot Area	43,560 sqft (1 acres)
Porch	Porch
Porch Area	60 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	4901
Street Address	964 RICHTER RD
City	CAIRO
State	GA
Zip	39827-5614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANDLOT:297 DIST:17
Jurisdiction	GRADY GA
Township / Civil Division	CAIRO
Census Block Group	1
Census Block	1023
Census Tract	950401

Owner

964 Richter Rd is owned by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	325 PEBBLE CREEK DR, WHIGHAM, GA 39897-4136
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
Jul 30, 2015	Deed of Trust, Mortgage · Conventional Mortgage UNITED NATIONAL BANK
Aug 27, 2021	Limited Warranty Deed, Transfer
Jul 23, 2014	Warranty Deed, Transfer
Dec 20, 2006	Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2021 · Amount on File
Deed Sale	Aug 27, 2021 · Amount on File
Prior Sale	Jul 23, 2014 · Amount on File
Deed Document Number	0000089442
Deed Book / Page	894 / 42
Record Updated	Jun 8, 2026

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY GA
Property Address	964 RICHTER RD, CAIRO, GA 39827-5614
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000791/58
Date	Jul 30, 2015
Book Page	791/58

Lender

Name	UNITED NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2025

August 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Aug 27, 2021
Property Address	964 RICHTER RD, CAIRO, GA 39827-5614
Document Number	0000894/42
Book / Page	894 / 42
Instrument Date	Aug 27, 2021
Instrument	2021-000834
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 PEBBLE CREEK DR, WHIGHAM, GA 39897-4134

July 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY GA
Recording Date	Jul 23, 2014
Property Address	964 RICHTER RD, CAIRO, GA 39827-5614
Document Number	000775/515
Book / Page	775 / 515
Instrument Date	Jul 23, 2014
Instrument	2014-000499
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount 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	204 19TH AVE NW, CAIRO, GA 39827-1015

December 2006: Deed, Transfer

Document Type	Deed
Jurisdiction	GRADY GA
Recording Date	Dec 20, 2006
Property Address	964 RICHTER RD, CAIRO, GA 39827-5614
Document Number	000644/394
Book / Page	644 / 394
Instrument Date	Dec 20, 2006
Instrument	2006-001486
Transaction Type	Transfer
Record Updated	Mar 5, 2026

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	1331 WOODLAND RD, CAIRO, GA 39827-5514
Investor	Possibly a Property Investor

Mortgage

Document Number	000644/396
Date	Dec 22, 2006
Book Page	644/396

Lender

Name	SUNTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	192 Months
Due	Jan 1, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 964 Richter Rd was $77, down 18.9% from the year before.

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

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	$77.00 (-18.95%)	$3,188 (+2.48%) Land $3,111 Building $77	$7,970 (+2.47%) Land $7,778 Building $192
2024	$95.00 (-24%)	$3,111 (-23.82%) Land $3,111	$7,778 (-23.82%) Land $7,778
2023	$125.00 (+11.61%)	$4,084 (-) Land $1,944 Building $2,140	$10,210 (-) Land $4,860 Building $5,350
2022	$112.00	$4,084 Land $1,944 Building $2,140	$10,210 Land $4,860 Building $5,350

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 964 Richter 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 964 Richter Rd is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 45% of Georgia
Wildfire Likelihood	0.07% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Starlink Satellite	280 / 30
Windstream DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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