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

Glynn County property record for 119 E Commons Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,247 sqft · built 2018
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,585 (2026)
Deeds & Mortgages	Jun 2025 Mortgage Aug 2025 Transfer + 4 more
Flood Zone	Zone AE (high risk)
APN	`04-11490`

Property Details

APN / Parcel Number

Primary APN	`04-11490`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,247 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Contemporary
Exterior Material	Stucco
Foundation Type	Raised
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	122 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	576 sqft
Porch	Porch
Porch Area	337 sqft
Patio Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	119 E COMMONS DR
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-9780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR
Legal Description	10 THE COMMONS PHS 6
Legal Subdivision	0028-00
Legal Phase	6
Legal Block	11
Legal Lot Number	169
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 21, 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	119 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2025	Deed of Trust, Mortgage ROCKET MORTGAGE
Aug 18, 2025	Quit Claim Deed, Transfer Quitclaim
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Nov 5, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC
Feb 28, 2017	Quit Claim Deed, Construction Loan · Construction Mortgage CHEMICAL BK
Feb 14, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2025
Deed Sale	Aug 18, 2025
Prior Sale	Sep 24, 2015 · Amount on Record
Deed Book / Page	5145 / 396
Prior Transfer Date	Mar 21, 2025
Prior Transfer Doc	0051450396
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	119 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780

Mortgage

Document Number	0051290000000479
Date	Jun 13, 2025
Book Page	0000005129/0000000479

Lender

Name	ROCKET MORTGAGE

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2045

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLYNN GA
Recording Date	Aug 18, 2025
Property Address	119 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0051450396
Book / Page	5145 / 396
Instrument Date	Mar 21, 2025
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 E COMMONS DR, ST SIMONS IS, GA 31522-9780

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	119 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9780

Mortgage

Document Number	0044810000000154
Date	Jun 21, 2021
Book Page	0000004481/0000000154
Instrument	0632021010142

Lender

Name	TRUIST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

November 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Nov 5, 2019
Property Address	119 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0041120238
Book / Page	004112 / 000238
Instrument Date	Nov 4, 2019
Instrument	11691
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$482.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	119 E COMMONS DR ST SIMONS ISLAND GA 315229780, ST SIMONS ISLAND, GA 31522-9780

Mortgage

Document Number	41120240
Date	Nov 5, 2019
Book Page	004112/000240
Instrument	11692

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2049

February 2017: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	GLYNN GA
Recording Date	Feb 28, 2017
Property Address	119 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0037060475
Book / Page	003706 / 000475
Instrument Date	Feb 23, 2017
Instrument	2136
Transaction Type	Construction Loan
Record Updated	Mar 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	119 E COMMONS DR ST SIMONS ISLAND GA 315229780, ST SIMONS ISLAND, GA 31522-9780

Mortgage

Document Number	37060477
Date	Feb 28, 2017
Book Page	003706/000477
Instrument	2137

Lender

Name	CHEMICAL BK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Feb 14, 2017
Property Address	119 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0037000474
Book / Page	003700 / 000474
Instrument Date	Feb 13, 2017
Instrument	1627
Transaction Type	Transfer
Record Updated	Mar 24, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$5,585.00	$222,720 (-) Land $46,000 Building $176,720	$556,800 (-) Land $115,000 Building $441,800
2025	$5,585.00 (+41.29%)	$222,720 (+0.16%) Land $46,000 Building $176,720	$556,800 (+0.16%) Land $115,000 Building $441,800
2023		$222,360 (+41.06%) Land $40,000 Building $182,360	$555,900 (+41.06%) Land $100,000 Building $455,900
2022	$3,953.00	$157,640 Land $30,000 Building $127,640	$394,100 Land $75,000 Building $319,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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