109 Circle Dr, Saint Simons Island, GA 31522 Property Records

Glynn County property record for 109 Circle Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,926 sqft · built 2007
Lot Size	0.138 acres (5,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$960,000 (Jan 2025)
Tax Bill	$8,565 (2026)
Deeds & Mortgages	Jan 2025 Foreclosure Aug 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-13909`

Property Details

APN / Parcel Number

Primary APN	`04-13909`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,926 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Cottage
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Metal
Lot Area	5,998 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Porch	Porch
Porch Area	356 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 CIRCLE DR
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-2608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LOT 25 BLK C SSH
Legal Subdivision	0031-20
Legal Block	C
Legal Lot Number	25
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	1
Census Block	1037
Census Tract	201

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	2 Individual Names on Record
Mailing Address	109 CIRCLE DR, SAINT SIMONS ISLAND, GA 31522-2608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2025	Trustee's Deed, Foreclosure · Conventional Mortgage FIRST CITIZENS BANK
Aug 23, 2021	Warranty Deed, Transfer
Mar 1, 2021	Warranty Deed, Transfer
Dec 21, 2020	Grant Deed, Subdivision Related Transfer · Line of Credit ST SIMONS BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2025 · Amount on Record
Deed Sale	Jan 21, 2025 · Amount on Record
Prior Sale	Jul 30, 2024
Deed Book / Page	5068 / 96
Prior Transfer Date	Jan 17, 2025
Prior Transfer Doc	0050680096
Record Updated	Oct 29, 2026

January 2025: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	GLYNN GA
Recording Date	Jan 21, 2025
Property Address	109 CIRCLE DR, ST SIMONS ISLAND, GA 31522-2608
Document Number	0050680096
Book / Page	5068 / 96
Instrument Date	Jan 17, 2025
Transaction Type	Foreclosure
Record Updated	Oct 7, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CIRCLE DR, ST SIMONS ISLAND, GA 31522-2608

Mortgage

Document Number	0000506898
Date	Jan 21, 2025
Instrument	5068/98

Lender

Name	FIRST CITIZENS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Aug 23, 2021
Property Address	109 CIRCLE DR, ST SIMONS ISLAND, GA 31522-2608
Document Number	0045260493
Book / Page	4526 / 493
Instrument Date	Aug 23, 2021
Instrument	2021-004414
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 BULL VALLEY DR, WOODSTOCK, IL 60098-8083

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Mar 1, 2021
Property Address	109 CIRCLE DR, ST SIMONS ISLAND, GA 31522-2608
Document Number	0044080024
Book / Page	4408 / 24
Instrument Date	Mar 1, 2021
Instrument	2021-000909
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
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	1540 BULL VALLEY DR, WOODSTOCK, IL 60098-8083

December 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Dec 21, 2020
Property Address	109 CIRCLE DR, ST SIMONS ISLAND, GA 31522-2608
Document Number	0043460091
Book / Page	004346 / 000091
Instrument Date	Dec 18, 2020
Instrument	16948
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$800.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CIRCLE DR ST SIMONS ISLAND GA 315222608, ST SIMONS ISLAND, GA 31522-2608

Mortgage

Document Number	43460092
Date	Dec 21, 2020
Book Page	004346/000092

Lender

Name	ST SIMONS BK&TR
Address	SAINT SIMONS ISLAND, GA 31522

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Dec 20, 2023

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	43460104,
Date	Dec 21, 2020
Book Page	004346/000104

Lender

Name	ST SIMONS BK&TR
Address	SAINT SIMONS ISLAND, GA 31522

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Dec 20, 2023

Interest

Rate Type	Adjustable Rate

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	$8,565.00 (+14.41%)	$341,560 (+14.42%) Land $72,000 Building $269,560	$853,900 (+14.42%) Land $180,000 Building $673,900
2025	$7,486.00 (+25.5%)	$298,520 (-1.8%) Land $72,000 Building $226,520	$746,300 (-1.8%) Land $180,000 Building $566,300
2023		$304,000 (+27.8%) Land $72,000 Building $232,000	$760,000 (+27.8%) Land $180,000 Building $580,000
2022	$5,965.00	$237,880 Land $72,000 Building $165,880	$594,700 Land $180,000 Building $414,700

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 562 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	722 units insured incl. 160 condo units
Nearby Flood Claims	51 (2016–2022)
Most Recent Claim	Nov 2022 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 34 claims Hurricane Matthew, Oct 2016 · 6 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 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% 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	GLYNN CO.-SOUTH MAIN LAND serves 2,554 people · EPA ID GA1270150
Water Source	Groundwater
Last State Inspection	Mar 2025
Also Mapped Here	ST. SIMONS ISLAND
Lead	1 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 435 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

May also be available: Verizon.

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