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

Glynn County property record for 113 E Commons Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,365 sqft · built 1999
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$674,500 (Jun 2022)
Tax Bill	$6,021 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2016 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`04-09824`

Property Details

APN / Parcel Number

Primary APN	`04-09824`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,365 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Raised Ranch
Exterior Material	Stucco
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	153 ft deep x 50 ft wide

Exterior Amenities

Pool Area	648 sqft
Porch	Porch
Porch Area	293 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	113 E COMMONS DR
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-9780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	7 THE COMMONS
Legal Subdivision	0028-00
Legal Block	11
Legal Lot Number	7
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	1
Census Block	1004
Census Tract	303

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	113 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Dec 21, 2016	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2022 · Amount on Record
Deed Sale	Jun 2, 2022 · Amount on Record
Deed Document Number	20222634
Deed Book / Page	4695 / 311
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	May 27, 2022
Property Address	113 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0046950311
Book / Page	4695 / 311
Instrument Date	May 27, 2022
Instrument	2022-002634
Transaction Type	Transfer
Record Updated	Jun 17, 2022

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	113 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780

Mortgage

Document Number	0046950000000316
Date	Jun 2, 2022
Book Page	0000004695/0000000316
Instrument	0632022007461

Lender

Name	TRUIST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	113 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0036870343
Book / Page	003687 / 000343
Instrument Date	Dec 21, 2016
Transaction Type	Mortgage
Record Updated	Mar 14, 2017
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 E COMMONS DR ST SIMONS ISLAND GA 315229780, ST SIMONS ISLAND, GA 31522-9780

Mortgage

Document Number	0036870343
Date	Jan 10, 2017
Book Page	003687/000343
Instrument	292

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 9, 2042

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	$6,021.00	$240,120 (-) Land $46,000 Building $194,120	$600,300 (-) Land $115,000 Building $485,300
2025	$6,021.00 (+52.55%)	$240,120 (+1.85%) Land $46,000 Building $194,120	$600,300 (+1.85%) Land $115,000 Building $485,300
2023		$235,760 (+49.78%) Land $40,000 Building $195,760	$589,400 (+49.78%) Land $100,000 Building $489,400
2022	$3,947.00	$157,400 Land $30,000 Building $127,400	$393,500 Land $75,000 Building $318,500

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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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