2103 Twin Lakes Dr

Bainbridge, Georgia, 39819

Redeemable DeedpendingSells Oct 6, 2026 · in 5 days

View on map ↗

Opening bid

$3,736

Assessed value

$124,800

Land $14,000Improvement $110,800

Market / AVM

$351,000

Taxes owed

—

Parcel number: B079A-058-000
Case number: —
Land use: Residential
Beds / baths: 2 ba
Building: 2,584 sqft
Acreage: 1.2
Lot size: 52,152 sqft
Year built: 1975
Owner of record: Clark, Marshall E & Kristina M
Last sale: $248,500 · 2020-10-02

Legal description

All and only that parcel of land designated as Tax Parcel B079A058, lying and being in Land Lot 202 of the 20th Land District, Decatur County, Georgia, being Lot 27, Twin Lakes Subdivision, shown in Plat Cabinet A-167, Slide 4, described in Deed Book 465, Page 845, the description contained therein being incorporated herein by this reference, known as 2103 Twin Lakes Drive.

Property facts enriched via realestateapi · 9/29/2026

Aerial view of 2103 Twin Lakes Dr — the parcel

Aerial view of 2103 Twin Lakes Dr — what is around it

Site & surroundings

Physical conditions that affect value and rarely appear on a listing.

FEMA flood zone AE — special flood hazard area
1% annual chance flood (100-year), with a published base flood elevation. Insurance mandatory with a federally backed loan. Flood insurance will be required for a federally backed mortgage, which is a permanent cost on any resale and can exceed the payment on a low-value parcel.

Context

Twin Lakes249 ft from parcel centre
Frontage or flood exposure depending on elevation and zone — read this next to the FEMA signal, not on its own.
Lake Douglas669 ft from parcel centre
Frontage or flood exposure depending on elevation and zone — read this next to the FEMA signal, not on its own.
Watercourse (3 nearby)0.2 mi from parcel centre
Frontage or flood exposure depending on elevation and zone — read this next to the FEMA signal, not on its own.
10% of homes vacant year-round in Census Tract 9706
304 of 2,930 units vacant year-round, around or below the national tract average.

Property detail

RealEstateAPI PropertyDetail · Every populated field, as returned · 338 values

Summary(17)

Id	219,541,682
Baths	2
Cash buyer	Yes
Flood zone	Yes
Free clear	Yes
High equity	Yes
Notice type	FOR
Last sale date	2020-10-02
Property type	SFR
Equity percent	100

County records

Official appraiser / assessor — free, always available. Copy the parcel number if the link opens a search page.

Decatur County assessor ↗search: B079A-058-000
Google Maps (parcel / address search) ↗

Decatur County rules

Sale type: Redeemable Deed
Redemption: 1 year from sale
Return if redeemed: 20% premium first year, +10% each additional year
Statute: Official Code of Georgia Annotated Title 48, Ch. 4

Full county profile →

Historical comps

No historical bucket for GA|Redeemable Deed

No recorded comps yet for this state/sale type. Run deedpilot-copilot import-history --deep and build-history-index.

Index 2026-08-01 · 87,879 total recorded outcomes

Verify before you bid

This record was compiled from the published sale list. Parcels are pulled, redeemed, and re-priced up to the moment of sale. Confirm the lot is still in the sale, and confirm the opening bid, directly with the county.

Deal analysis

Your maximum bid

$207,808

Walk away above this. Projected profit at the ceiling: $105,300 (30% of ARV).

Opening bid $3,736

Room to bid $204,072

Confidence: medium — ARV from a provider market estimate, not comps.

History-guided suggestion

$77,052

Under max by $130,756

≤ oracle maxBid

Co-pilot target using recorded auction history. Never above your maximum bid.

History sample

—

Median sold

—

p(redeem) prior

—

No historical bucket for GA|Redeemable Deed; suggestion uses oracle only.

Your assumptions

After-repair value (ARV)

Override the derived estimate with real comps

Rehab budget

You cannot inspect before bidding — budget for the worst plausible condition

Known surviving liens

Municipal code enforcement, special assessments, federal tax liens

Target margin — 30%

Required profit as a share of ARV. 30% is a common floor for tax-sale flips.

How that number is built

Provider market estimate of $351,000. This is an as-is valuation, not an after-repair one — enter your own comparable-sales figure if the property needs work.

After-repair value: $351,000
Selling costs on exitassumed 8.0% of ARV — agent commission plus seller-side closing.: −$28,080
Rehabassumed No rehab budget entered — assumed $0. Tax-sale parcels are sold unseen and un-inspected; this is rarely correct.: −$0
Quiet title (required)assumed Midpoint of the typical GA range ($3,000–$7,500, ~6 months).: −$5,250
Deed recording and transferassumed Typical GA recording and deed issuance cost.: −$350
Holding costs (8 months)assumed Taxes, insurance, and securing the property at ~$527/month.: −$4,212
Surviving liensassumed Assumed $0 — not verified. Municipal code-enforcement liens, special assessments, and federal tax liens can survive the sale.: −$0
Target profit (30% of ARV): −$105,300
Maximum bid: $207,808

If the owner redeems

Flat penalty

20%

You'd receive

$41,562

Window

365 days

A 20% flat penalty applies if the owner redeems. It is a penalty, not annual interest — the rate does not change with how early they redeem.

redemption stays open indefinitely until the purchaser forecloses it by statutory notice (barment)

Quoted elsewhere as 20% annualised — true only if they redeem on the last possible day and you immediately redeploy the capital. Treat the flat penalty as the real number.

Before you bid

Rehab is assumed to be $0. You cannot inspect these properties before bidding — budget for the worst plausible condition.
Surviving liens assumed $0. The 12-month period is a minimum, not an expiry — the redemption right persists until you serve barment notice, so budget for that process.

AI risk brief

Reads this parcel against DecaturCounty's rules and flags what could go wrong — surviving liens, redemption exposure, title cost, and the facts we don't have. Takes about 35 seconds; the result is saved, so opening this lot again is instant.

Site & surroundings

Physical conditions that affect value and rarely appear on a listing.

FEMA flood zone AE — special flood hazard area

1% annual chance flood (100-year), with a published base flood elevation. Insurance mandatory with a federally backed loan. Flood insurance will be required for a federally backed mortgage, which is a permanent cost on any resale and can exceed the payment on a low-value parcel.

Context

Twin Lakes249 ft from parcel centre

Frontage or flood exposure depending on elevation and zone — read this next to the FEMA signal, not on its own.

Lake Douglas669 ft from parcel centre

Frontage or flood exposure depending on elevation and zone — read this next to the FEMA signal, not on its own.

Watercourse (3 nearby)0.2 mi from parcel centre

Frontage or flood exposure depending on elevation and zone — read this next to the FEMA signal, not on its own.

10% of homes vacant year-round in Census Tract 9706

304 of 2,930 units vacant year-round, around or below the national tract average.

219,541,682

Baths

Cash buyer

Yes

Flood zone

Yes

Free clear

Yes

High equity

Yes

Notice type

FOR

Last sale date

2020-10-02

Property type

SFR

Equity percent

100

Deal analysis

Your maximum bid

$207,808

Walk away above this. Projected profit at the ceiling: $105,300 (30% of ARV).

Opening bid $3,736

Room to bid $204,072

Confidence: medium — ARV from a provider market estimate, not comps.

History-guided suggestion

$77,052

Under max by $130,756

≤ oracle maxBid

Co-pilot target using recorded auction history. Never above your maximum bid.

History sample

—

Median sold

—

p(redeem) prior

—

No historical bucket for GA|Redeemable Deed; suggestion uses oracle only.

Your assumptions

After-repair value (ARV)

Override the derived estimate with real comps

Rehab budget

You cannot inspect before bidding — budget for the worst plausible condition

Known surviving liens

Municipal code enforcement, special assessments, federal tax liens

Target margin — 30%

Required profit as a share of ARV. 30% is a common floor for tax-sale flips.

How that number is built

Provider market estimate of $351,000. This is an as-is valuation, not an after-repair one — enter your own comparable-sales figure if the property needs work.

After-repair value: $351,000
Selling costs on exitassumed 8.0% of ARV — agent commission plus seller-side closing.: −$28,080
Rehabassumed No rehab budget entered — assumed $0. Tax-sale parcels are sold unseen and un-inspected; this is rarely correct.: −$0
Quiet title (required)assumed Midpoint of the typical GA range ($3,000–$7,500, ~6 months).: −$5,250
Deed recording and transferassumed Typical GA recording and deed issuance cost.: −$350
Holding costs (8 months)assumed Taxes, insurance, and securing the property at ~$527/month.: −$4,212
Surviving liensassumed Assumed $0 — not verified. Municipal code-enforcement liens, special assessments, and federal tax liens can survive the sale.: −$0
Target profit (30% of ARV): −$105,300
Maximum bid: $207,808

If the owner redeems

Flat penalty

20%

You'd receive

$41,562

Window

365 days

A 20% flat penalty applies if the owner redeems. It is a penalty, not annual interest — the rate does not change with how early they redeem.

redemption stays open indefinitely until the purchaser forecloses it by statutory notice (barment)

Quoted elsewhere as 20% annualised — true only if they redeem on the last possible day and you immediately redeploy the capital. Treat the flat penalty as the real number.

Before you bid

Rehab is assumed to be $0. You cannot inspect these properties before bidding — budget for the worst plausible condition.
Surviving liens assumed $0. The 12-month period is a minimum, not an expiry — the redemption right persists until you serve barment notice, so budget for that process.

Apn	B079A-058-000
Land use	Residential
Lot acres	1.20
Lot number	27
Census block	4010
Census tract	970600
Property use	Single Family Residence
Subdivision	Twin Lakes
Lot depth feet	374.9
Lot width feet	120
Lot square feet	52,152
Property class	The general use for the property is for residential purposes
Apn unformatted	B079A058000
Census block group	0
Legal description	465 845 2103 TWIN LAKES DR

Year	2,025
Tax amount	$3,338
Property id	219,541,682
Market value	$312,001
Assessed value	$124,800
Assessment year	2,025
Market land value	$35,000
Assessed land value	$14,000
Market improvement value	$277,001
Assessed improvement value	$110,800

Ltv	100
Book	465
Page	845
Seq no	1
Sale date	2020-10-02
Arms length	Yes
Buyer names	Marshall E Clark, Kristina M Clark
Sale amount	$248,500
Down payment	$248,500
Seller names	Adam C Thompson
Document type	Warranty Deed
Recording date	2020-10-02
Document number	2020-000935
Purchase method	Cash Purchase
Owner individual	Yes
Transaction type	Arms Length Residential Transactions (Purchase/Resales)
Document type code	DTWD
Prior owner individual	Yes
Prior owner months owned	46

Owner1 type	Individual
Owner2 type	Individual
Mail address · zip	39819
Mail address · city	Bainbridge
Mail address · fips	13087
Mail address · zip4	5277
Mail address · house	2103
Mail address · label	2103 Twin Lakes Dr, Bainbridge, GA 39819
Mail address · state	GA
Mail address · county	Decatur County
Mail address · street	Twin Lakes
Mail address · address	2103 Twin Lakes Dr
Mail address · carrier route	C005
Mail address · address format	S
Owner occupied	Yes
Owner1 full name	Marshall Clark
Owner1 last name	Clark
Owner2 full name	Kristina Clark
Owner2 last name	Clark
Owner1 first name	Marshall
Owner2 first name	Kristina
Ownership length	71

Ltv	Book	Page	Seq no	Sale date	Arms length	Buyer names	Sale amount	Down payment	Seller names	Document type	Recording date	Document number	Purchase method	Owner individual	Transaction type	Document type code
100	465	845	1	2020-10-02	Yes	Marshall E Clark, Kristina M Clark	$248,500	$248,500	Adam C Thompson	Warranty Deed	2020-10-02	2020-000935	Cash Purchase	Yes	Arms Length Residential Transactions (Purchase/Resales)	DTWD
100	406	524	2	2016-12-20	Yes	Adam C Thompson, Sarah Thompson	$212,000	$212,000	Elicia	Warranty Deed	2016-12-20	2016-001084	Cash Purchase	Yes	Arms Length Residential Transactions (Purchase/Resales)	DTWD
100	365	865	3	2014-01-22	Yes	Elicia Alvarado	$118,500	$118,500	Amy H Mills	Warranty Deed	2014-01-22	2014-000043	Cash Purchase	Yes	Arms Length Residential Transactions (Purchase/Resales)	DTWD
	352	275	4	2013-03-25		Amy H Mills			Daisy Haire	Warranty Deed	2013-03-25	2013-000274	Cash Purchase	Yes	Non-Arm's Length Transactions	DTWD
100	321	463	5	2011-06-20	Yes	Daisy Haire	$101,500	$101,500	Not Provided	Deed	2011-06-21	043-2011-000471	Cash Purchase	Yes	Arms Length Residential Transactions (Purchase/Resales)	DTDE
100	317	122	6	2011-02-01	Yes	Deutsche Bank National Trust Company	$97,500	$97,500	Je F Battles	Foreclosure	2011-03-07	043-2011-000148	Cash Purchase		Foreclosure	DTFC
100	309	005	7	2010-08-16		Joe F Battles, Pam W Battles	$15,690	$15,690	Viola Properties Inc	Quit Claim Deed	2010-08-24	043-2010-000649	Cash Purchase	Yes	Non-Arm's Length Transactions	DTQC
100	297	134	8	2009-12-01	Yes	Viola Properties Inc	$50,000	$50,000	Decatur County Board Of Commissioners	Deed	2009-12-09	043-2009-001026	Cash Purchase		Non-Residential Arm's Length Transactions	DTDE

Pool	Yes
Patio	Yes
Address · zip	39819
Address · city	Bainbridge
Address · fips	13087
Address · zip4	5277
Address · house	2103
Address · label	2103 Twin Lakes Dr, Bainbridge, GA 39819
Address · state	GA
Address · county	Decatur County
Address · street	Twin Lakes
Address · address	2103 Twin Lakes Dr
Address · street type	Dr
Address · carrier route	C005
Address · jurisdiction	Decatur County
Address · congressional district	02
Stories	1
Deck area	0
Latitude	30.887652228551108
Pool area	648
Bathrooms	2
Fireplace	Yes
Longitude	-84.54366952310899
Patio area	60
Porch area	320
Porch type	Enclosed Porch
Year built	1,975
Fireplaces	1
Rooms count	0
Units count	0
Heating type	Central
Property use	Single Family Residence
Basement type	NO BASEMENT
Construction	Masonry
Roof material	105
Lot square feet	50,094
Parking spaces	0
Buildings count	0
Property use code	385
Garage square feet	0
Living square feet	2,584
Partial bathrooms	1
Roof construction	251
Building condition	Average
Interior structure	Gypsum Board/Drywall/Sheetrock/Wallboard
Basement square feet	0
Building square feet	2,584
Price per square foot	96
Air conditioning type	Central
Parcel account number	17024
Plumbing fixtures count	0
Air conditioning available	Yes
Tax exemption homeowner flag	Yes
Basement square feet finished	0
Basement square feet unfinished	0

Book	Page	Term	Seq no	Amount	Loan type	Term type	Assumable	Lender code	Lender name	Lender type	Mortgage id	Grantee name	Document date	Loan type code	Maturity date	Recording date	Interest rate	Interest rate type
406	527	360	1	$208,160	FHA	Month	Yes	M	Homestar Financial	Mortgage Company	10469	Adam C Thompson, Sarah Dollar Thompson	2016-12-20	FHA	2047-01-01	2016-12-21
367	34	30	2	$60,000	Credit Line (Revolving) / HELOC	Month		B	First Port City Bank	Bank	8824	Elicia Alvarado	2014-02-13	LOC	2017-03-01	2014-02-24
211	411	360	3	$175,500	Conventional	Month		M	Ameriquest Mortgage	Mortgage Company	4230	Joe F Battles, Pam W Battles	2006-02-06	COV	2036-03-01	2006-02-13	10.1	Adjustable Rate

Ids	700125126897, 219541682
Total owned	2
Total value	$355,550
Total equity	$355,550
Purchased last6mos	0
Purchased last12mos	0