104 E Commons Dr, Saint Simons Island, GA 31522 Property Records

Glynn County property record for 104 E Commons Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,590 sqft · built 1997
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jul 2024)
Tax Bill	$6,071 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`04-09848`

Property Details

APN / Parcel Number

Primary APN	`04-09848`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,590 sqft Living Area
Gross Area	2,036 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	120 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	554 sqft
Porch	Porch
Porch Area	336 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 E COMMONS DR
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-9779
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR
Legal Description	131 THE COMMONS
Legal Subdivision	0028-00
Legal Block	11
Legal Lot Number	31
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	1
Census Block	1006
Census Tract	303

Owner

104 E Commons Dr is owned and occupied by two individuals who bought it in July 2024.

Source: Glynn County records, as of October 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	104 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9779
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2024 · Amount on File
Deed Sale	Jul 10, 2024 · Amount on File
Prior Sale	Oct 23, 2020 · Amount on File
Deed Book / Page	4995 / 67
Prior Transfer Date	Jan 22, 2010
Prior Transfer Doc	0026840406
Record Updated	Oct 29, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Oct 26, 2020
Property Address	104 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9779
Document Number	0043090274
Book / Page	004309 / 000274
Instrument Date	Oct 23, 2020
Transaction Type	Transfer
Record Updated	Nov 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 E COMMONS DR ST SIMONS ISLAND GA 315229779, ST SIMONS ISLAND, GA 31522-9779

Mortgage

Document Number	43090276
Date	Oct 26, 2020
Book Page	004309/000276

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 104 E Commons Dr was $6,071, up 3.4% from the year before.

Source: Glynn County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Glynn County
Unified School District	Glynn County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,071.00 (+3.39%)	$242,080 (+3.38%) Land $36,000 Building $206,080	$605,200 (+3.38%) Land $90,000 Building $515,200
2025	$5,872.00	$234,160 Land $28,000 Building $206,160	$585,400 Land $70,000 Building $515,400
2023		$223,280 (+21.19%) Land $28,000 Building $195,280	$558,200 (+21.19%) Land $70,000 Building $488,200
2022	$4,620.00	$184,240 Land $28,000 Building $156,240	$460,600 Land $70,000 Building $390,600

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 104 E Commons Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 572 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	687 units insured incl. 115 condo units
Nearby Flood Claims	35 (2005–2024)
Claims Outside the SFHA	3 of 35
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 26 claims Hurricane Matthew, Oct 2016 · 4 claims

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 104 E Commons Dr is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 97.9% of Georgia
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. SIMONS ISLAND serves 29,249 people · EPA ID GA1270001
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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