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

Glynn County property record for 161 E Commons Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,434 sqft · built 2002
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,900 (Apr 2018)
Tax Bill	$5,973 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`04-11470`

Property Details

APN / Parcel Number

Primary APN	`04-11470`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,434 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Contemporary
Exterior Material	Stucco
Foundation Type	Raised
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	103 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	811 sqft
Porch	Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	161 E COMMONS DR
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-9780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FA
Legal Description	30 THE COMMONS PHS 6
Legal Subdivision	0028-00
Legal Phase	6
Legal Block	11
Legal Lot Number	149
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	161 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE
Aug 10, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Nov 25, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Apr 17, 2018	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2018 · Amount on Record
Deed Sale	Apr 2, 2018 · Amount on Record
Prior Sale	Apr 8, 2016 · Amount on Record
Deed Document Number	20181195
Deed Book / Page	3876 / 67
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	161 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Transaction Type	Mortgage
Record Updated	Apr 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 E COMMONS DR, SAINT SIMONS ISLAND, GA 31522-9780

Mortgage

Document Number	0046460000000001
Date	Mar 9, 2022
Book Page	0000004646/0000000001
Instrument	0632022003150

Lender

Name	ROCKET MORTGAGE

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	161 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0042870028
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	161 E COMMONS DR ST SIMONS ISLAND GA 315229780, ST SIMONS ISLAND, GA 31522-9780

Mortgage

Document Number	0042870028
Date	Sep 25, 2020
Book Page	004287/000028

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	161 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0041280360
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	161 E COMMONS DR ST SIMONS ISLAND GA 315229780, ST SIMONS ISLAND, GA 31522-9780

Mortgage

Document Number	0041280360
Date	Dec 10, 2019
Book Page	004128/000360
Instrument	13132

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Apr 17, 2018
Property Address	161 E COMMONS DR, ST SIMONS ISLAND, GA 31522-9780
Document Number	0038760067
Book / Page	003876 / 000067
Instrument Date	Apr 2, 2018
Instrument	3980
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$449.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	161 E COMMONS DR ST SIMONS ISLAND GA 315229780, ST SIMONS ISLAND, GA 31522-9780

Mortgage

Document Number	38760069
Date	Apr 17, 2018
Book Page	003876/000069
Instrument	3981

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 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	$5,973.00 (-0.02%)	$238,200 (-0.02%) Land $46,000 Building $192,200	$595,500 (-0.02%) Land $115,000 Building $480,500
2025	$5,974.00 (+41.5%)	$238,240 (+1.15%) Land $46,000 Building $192,240	$595,600 (+1.15%) Land $115,000 Building $480,600
2023		$235,520 (+39.89%) Land $43,600 Building $191,920	$588,800 (+39.89%) Land $109,000 Building $479,800
2022	$4,222.00	$168,360 Land $34,000 Building $134,360	$420,900 Land $85,000 Building $335,900

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 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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