1097 Sinclair Pointe, Saint Simons Island, GA 31522 Property Records

Glynn County property record for 1097 Sinclair Pointe, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,508 sqft · built 2015
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Sep 2018)
Tax Bill	$8,858 (2026)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`04-14305`

Property Details

APN / Parcel Number

Primary APN	`04-14305`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,508 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Contemporary
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Porch
Porch Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1097 SINCLAIR POINTE
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-5576
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 27 SINCLAIR POINTE
Legal Subdivision	SINCLAIR POINTE
Legal Block	20
Legal Lot Number	27
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	1
Census Block	1029
Census Tract	301

Owner

1097 Sinclair Pointe is owned and occupied by an individual who bought it in September 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1097 SINCLAIR POINTE, SAINT SIMONS ISLAND, GA 31522-5576
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2018 · Amount on File
Deed Sale	Sep 24, 2018 · Amount on File
Prior Sale	Jul 31, 2015 · Amount on File
Deed Document Number	20183691
Deed Book / Page	3952 / 365
Record Updated	Oct 29, 2026

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Oct 11, 2018
Property Address	1097 SINCLAIR POINTE, ST SIMONS ISLAND, GA 31522-5576
Document Number	0039520365
Book / Page	003952 / 000365
Instrument Date	Sep 24, 2018
Instrument	11084
Transaction Type	Transfer
Record Updated	Oct 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 SINCLAIR POINTE ST SIMONS ISLAND GA 315225576, ST SIMONS ISLAND, GA 31522-5576

Mortgage

Document Number	39520367
Date	Oct 11, 2018
Book Page	003952/000367
Instrument	11085

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2048

Mortgage

Document Number	39520381,
Date	Oct 11, 2018
Book Page	003952/000381
Instrument	11086

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	IDAHO FALLS, ID 83402

Agreement

Amount	Amount on Record
Term	240 Months
Due	Oct 10, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 1097 Sinclair Pointe was $8,858, up 2.3% 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	$8,858.00 (+2.31%)	$353,240 (+2.32%) Land $46,000 Building $307,240	$883,100 (+2.32%) Land $115,000 Building $768,100
2025	$8,658.00	$345,240 Land $38,000 Building $307,240	$863,100 Land $95,000 Building $768,100
2023		$315,800 (+8.4%) Land $38,000 Building $277,800	$789,500 (+8.4%) Land $95,000 Building $694,500
2022	$7,306.00	$291,320 Land $38,000 Building $253,320	$728,300 Land $95,000 Building $633,300

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 1097 Sinclair Pointe in Zone X, an area of moderate flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1097 Sinclair Pointe is moderate, ranking above 51% of the US, with a 0.1% annual chance of 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

Nearby Properties on Sinclair Pointe

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures