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

Glynn County property record for 146 E Commons Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,890 sqft · built 2002
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Jan 2023)
Tax Bill	$4,782 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2024 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`04-11499`

Property Details

APN / Parcel Number

Primary APN	`04-11499`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,890 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Stucco
Foundation Type	Raised
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	483 sqft
Porch	Porch
Porch Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	146 E COMMONS DR
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-9786
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR
Legal Description	161 THE COMMONS PHS 6
Legal Subdivision	0028-00
Legal Phase	6
Legal Block	11
Legal Lot Number	178
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	1
Census Block	1006
Census Tract	303

Owner

146 E Commons Dr is owned and occupied by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	146 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9786
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

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Jan 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE
Jan 9, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE
Jan 9, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE
Aug 24, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2023 · Amount on File
Deed Sale	Jan 10, 2023 · Amount on File
Deed Document Number	202372
Deed Book / Page	4782 / 117
Prior Transfer Date	Aug 23, 2017
Prior Transfer Doc	0037860322
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Recording Date	Apr 27, 2026
Property Address	146 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9786
Document Number	5201000369
Book / Page	5201 / 369
Instrument Date	Apr 11, 2026
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9786

Mortgage

Document Number	5201000369,
Date	Apr 27, 2026
Book Page	5201/369

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	146 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9786
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9786

Mortgage

Document Number	0049240000000465
Date	Jan 12, 2024
Book Page	0000004924/0000000465

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Jan 9, 2023
Property Address	146 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9786
Document Number	0047820117
Book / Page	4782 / 117
Instrument Date	Jan 9, 2023
Instrument	2023-000072
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Amount	Amount on Record
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	146 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9786

Mortgage

Document Number	632023000257
Date	Jan 9, 2023
Instrument	0632023000257

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Jan 9, 2023
Property Address	146 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9786
Document Number	0047820117
Book / Page	4782 / 117
Instrument Date	Jan 9, 2023
Instrument	2023-000072
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
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	146 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9786

Mortgage

Document Number	632023000257
Date	Jan 9, 2023
Instrument	0632023000257

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLYNN GA
Recording Date	Aug 24, 2017
Property Address	146 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9786
Document Number	0037860322
Book / Page	003786 / 000322
Instrument Date	Aug 23, 2017
Transaction Type	Transfer
Record Updated	Dec 5, 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

Tax Assessment & Valuation

The 2026 property tax bill for 146 E Commons Dr was $4,782, up 4.4% 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	$4,782.00 (+4.39%)	$190,680 (+4.38%) Land $36,000 Building $154,680	$476,700 (+4.38%) Land $90,000 Building $386,700
2025	$4,581.00	$182,680 Land $28,000 Building $154,680	$456,700 Land $70,000 Building $386,700
2023		$183,840 (+20.41%) Land $28,000 Building $155,840	$459,600 (+20.41%) Land $70,000 Building $389,600
2022	$3,829.00	$152,680 Land $28,000 Building $124,680	$381,700 Land $70,000 Building $311,700

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 146 E Commons Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 146 E Commons Dr is high, ranking above 72% of the US, with a 0.3% annual chance of 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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