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

Glynn County property record for 154 E Commons Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,423 sqft · built 2002
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$377,500 (Nov 2018)
Tax Bill	$6,564 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`04-11502`

Property Details

APN / Parcel Number

Primary APN	`04-11502`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,423 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	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	121 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	520 sqft
Porch	Porch
Porch Area	28 sqft
Patio Area	246 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	154 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	LOT 164 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	1006
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	Individual Name on Record
Mailing Address	154 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9786
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE
Jun 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG
Nov 20, 2018	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	Dec 16, 2013 · Amount on Record
Deed Document Number	20184357
Deed Book / Page	3968 / 1
Prior Transfer Date	Sep 6, 2011
Prior Transfer Doc	0029070300
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	154 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9786
Transaction Type	Mortgage
Record Updated	Mar 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9786

Mortgage

Document Number	0043660000000201
Date	Jan 25, 2021
Book Page	0000004366/0000000201
Instrument	632021001087

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

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

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	154 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9786
Document Number	0040540223
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 18, 2019
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 E COMMONS DR ST SIMONS ISLAND GA 315229786, ST SIMONS ISLAND, GA 31522-9786

Mortgage

Document Number	0040540223
Date	Jul 1, 2019
Book Page	004054/000223
Instrument	6672

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Nov 20, 2018
Property Address	154 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9786
Document Number	0039680001
Book / Page	003968 / 000001
Instrument Date	Nov 13, 2018
Instrument	12500
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$377.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 E COMMONS DR ST SIMONS ISLAND GA 315229786, ST SIMONS ISLAND, GA 31522-9786

Mortgage

Document Number	39680003
Date	Nov 20, 2018
Book Page	003968/000003
Instrument	12501

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2048

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	$6,564.00 (+3.13%)	$261,760 (+3.14%) Land $36,000 Building $225,760	$654,400 (+3.14%) Land $90,000 Building $564,400
2025	$6,365.00 (+26.42%)	$253,800 (+4.02%) Land $28,000 Building $225,800	$634,500 (+4.02%) Land $70,000 Building $564,500
2023		$244,000 (+21.51%) Land $28,000 Building $216,000	$610,000 (+21.51%) Land $70,000 Building $540,000
2022	$5,035.00	$200,800 Land $28,000 Building $172,800	$502,000 Land $70,000 Building $432,000

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 80% of the US · above 99% of Georgia
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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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