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

Glynn County property record for 131 E Commons Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,778 sqft · built 2022
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$654,690 (Apr 2022)
Tax Bill	$5,970 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-11485`

Property Details

APN / Parcel Number

Primary APN	`04-11485`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,778 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	5,227 sqft (0.12 acres)
Lot Dimensions	114 ft deep x 46 ft wide
Garage Type	Attached
Garage Area	462 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	131 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	15 THE COMMONS PHS 6
Legal Subdivision	0028-00
Legal Phase	6
Legal Block	11
Legal Lot Number	164
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	131 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PRIMESOUTH BANK
Aug 11, 2021	Warranty Deed, Transfer · Conventional Mortgage ST SIMONS BANK AND TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2022 · Amount on Record
Deed Sale	Apr 22, 2022 · Amount on Record
Prior Sale	Aug 11, 2021 · Amount on Record
Deed Document Number	20221980
Deed Book / Page	4673 / 465
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Apr 20, 2022
Property Address	131 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0046730465
Book / Page	4673 / 465
Instrument Date	Apr 20, 2022
Instrument	2022-001980
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 18, 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	131 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780

Mortgage

Document Number	632022005544
Date	Apr 20, 2022
Instrument	0632022005544

Lender

Name	PRIMESOUTH BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Aug 11, 2021
Property Address	131 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0045210264
Book / Page	4521 / 264
Instrument Date	Aug 11, 2021
Instrument	2021-004237
Transaction Type	Transfer
Record Updated	Nov 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

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	0045210000000265
Date	Aug 16, 2021
Book Page	0000004521/0000000265

Lender

Name	ST SIMONS BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jan 1, 2023

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	$5,970.00 (-0.02%)	$238,080 (-0.02%) Land $46,000 Building $192,080	$595,200 (-0.02%) Land $115,000 Building $480,200
2025	$5,971.00 (+197.21%)	$238,120 (+2.07%) Land $46,000 Building $192,120	$595,300 (+2.07%) Land $115,000 Building $480,300
2023		$233,280 (+191.16%) Land $40,000 Building $193,280	$583,200 (+191.16%) Land $100,000 Building $483,200
2022	$2,009.00	$80,120 Land $30,000 Building $50,120	$200,300 Land $75,000 Building $125,300

Assessed value is set for property tax purposes, not a market price estimate; it is 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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