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

Glynn County property record for 129 E Commons Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,760 sqft · built 2022
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$699,990 (Oct 2022)
Tax Bill	$6,810 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`04-11486`

Property Details

APN / Parcel Number

Primary APN	`04-11486`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,760 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Contemporary
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	102 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	129 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	14 THE COMMONS PHS 6
Legal Subdivision	0028-00
Legal Phase	6
Legal Block	11
Legal Lot Number	165
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	129 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Apr 26, 2022	Warranty Deed, Construction Loan · Conventional Mortgage ST SIMONS BANK AND TRUST
Jan 5, 2018	Loan Modification, Mortgage PRIMESOUTH BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Apr 28, 2022 · Amount on Record
Deed Document Number	20224980
Deed Book / Page	4757 / 168
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Oct 21, 2022
Property Address	129 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0047570168
Book / Page	4757 / 168
Instrument Date	Oct 21, 2022
Instrument	2022-004980
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 16, 2024

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

Mortgage

Document Number	0047570000000169
Date	Oct 25, 2022
Book Page	0000004757/0000000169
Instrument	0632022013252

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Nov 1, 2020

April 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Apr 26, 2022
Property Address	129 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0046760209
Book / Page	4676 / 209
Instrument Date	Apr 26, 2022
Instrument	2022-002065
Transaction Type	Construction Loan
Record Updated	Jan 16, 2024

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	PO BOX 1993, BRUNSWICK, GA 31521-1993
Investor	Possibly a Property Investor

Mortgage

Document Number	0046760000000210
Date	Apr 28, 2022
Book Page	0000004676/0000000210
Instrument	0632022005774

Lender

Name	ST SIMONS BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2023

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GLYNN GA
Property Address	129 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0038440330
Book / Page	003844 / 000330
Instrument Date	Jan 5, 2018
Transaction Type	Mortgage
Record Updated	Feb 12, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3805 COMMUNITY RD BRUNSWICK GA 315202824, BRUNSWICK, GA 31520-2824

Mortgage

Document Number	0038440330
Date	Feb 1, 2018
Book Page	003844/000330
Instrument	971

Lender

Name	PRIMESOUTH BK
Type	Bank
Address	BRUNSWICK, GA 31521-0010

Agreement

Amount	Amount Recorded

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	$6,810.00	$271,560 (-) Land $46,000 Building $225,560	$678,900 (-) Land $115,000 Building $563,900
2025	$6,810.00 (+805.59%)	$271,560 (+1.37%) Land $46,000 Building $225,560	$678,900 (+1.37%) Land $115,000 Building $563,900
2023		$267,880 Land $40,000 Building $227,880	$669,700 Land $100,000 Building $569,700
2022	$752.00

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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