1040 Sinclair Pointe, Saint Simons Island, GA 31522 Property Records

Glynn County property record for 1040 Sinclair Pointe, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,142 sqft · built 2017
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$742,450 (Sep 2025)
Tax Bill	$7,039 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-14324`

Property Details

APN / Parcel Number

Primary APN	`04-14324`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,142 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Cottage
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	539 sqft
Porch	Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1040 SINCLAIR POINTE
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-5575
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDG
Legal Description	LOT 8 SINCLAIR POINTE
Legal Subdivision	SINCLAIR POINTE
Legal Block	20
Legal Lot Number	8
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	1
Census Block	1029
Census Tract	301

Owner

Source: Glynn County records, as of October 12, 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	1040 SINCLAIR POINTE, SAINT SIMONS ISLAND, GA 31522-5575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE
Nov 10, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BK
Sep 15, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Prior Sale	Nov 6, 2020 · Amount on Record
Deed Book / Page	5152 / 545
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Sep 22, 2025
Property Address	1040 SINCLAIR POINTE, SAINT SIMONS ISLAND, GA 31522-5575
Document Number	0051520545
Book / Page	5152 / 545
Instrument Date	Sep 19, 2025
Transaction Type	Transfer
Record Updated	Oct 20, 2025

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	1040 SINCLAIR POINTE, SAINT SIMONS ISLAND, GA 31522-5575

Mortgage

Document Number	0005152547
Date	Sep 22, 2025
Instrument	5152/547

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2055

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Nov 10, 2020
Property Address	1040 SINCLAIR POINTE, ST SIMONS ISLAND, GA 31522-5575
Document Number	0043200068
Book / Page	004320 / 000068
Instrument Date	Nov 6, 2020
Instrument	14748
Transaction Type	Transfer
Record Updated	Nov 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.00
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	1040 SINCLAIR POINTE ST SIMONS ISLAND GA 315225575, ST SIMONS ISLAND, GA 31522-5575

Mortgage

Document Number	43200070
Date	Nov 10, 2020
Book Page	004320/000070

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Sep 15, 2017
Property Address	1040 SINCLAIR POINTE, ST SIMONS ISLAND, GA 31522-5575
Document Number	0037930249
Book / Page	003793 / 000249
Instrument Date	Aug 31, 2017
Transaction Type	Transfer
Record Updated	Dec 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$430.00
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

Tax Assessment & Valuation

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	$7,039.00 (+32.11%)	$280,680 (+32.1%) Land $40,000 Building $240,680	$701,700 (+32.1%) Land $100,000 Building $601,700
2025	$5,328.00 (+1%)	$212,480 (+8.41%) Land $32,000 Building $180,480	$531,200 (+8.41%) Land $80,000 Building $451,200
2023		$196,000 (-6.83%) Land $28,800 Building $167,200	$490,000 (-6.83%) Land $72,000 Building $418,000
2022	$5,275.00	$210,360 Land $32,000 Building $178,360	$525,900 Land $80,000 Building $445,900

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 April 27, 2026 · 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
Flood Insurance Cost	Premium on Record median of 784 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,092 units insured incl. 308 condo units
Nearby Flood Claims	41 (2013–2022)
Most Recent Claim	Nov 2022 · tidal / storm surge
Claims by Event	Hurricane Irma, Sep 2017 · 33 claims Hurricane Matthew, Oct 2016 · 3 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

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

Wildfire Risk	Moderate above 51% of the US · above 69% of Georgia
Wildfire Likelihood	0.1% 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 307 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 · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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