1908 Bruce Dr, Saint Simons Island, GA 31522 Property Records

Glynn County property record for 1908 Bruce Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,626 sqft · built 1975
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Tax Bill	$14,675 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`04-03159`

Property Details

APN / Parcel Number

Primary APN	`04-03159`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,626 sqft Living Area
Flooring	Plywood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2010
Architectural Style	Colonial
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Porch	Porch
Porch Area	68 sqft
Patio Area	837 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1908 BRUCE DR
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-3312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LOT 3-14 EAST BEACH
Legal Subdivision	S002-00
Legal Block	12
Legal Lot Number	3-14
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	2
Census Block	2010
Census Tract	101

Owner

1908 Bruce Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1908 BRUCE DR, SAINT SIMONS ISLAND, GA 31522-3312
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
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage GATEWAY MTG GRP
Dec 17, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	1908 BRUCE DR, ST SIMONS ISLAND, GA 31522-3312
Document Number	0043180436
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1908 BRUCE DR ST SIMONS ISLAND GA 315223312, ST SIMONS ISLAND, GA 31522-3312

Mortgage

Document Number	0043180436
Date	Nov 6, 2020
Book Page	004318/000436

Lender

Name	GATEWAY MTG GRP
Address	JENKS, OK 74037

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	1908 BRUCE DR, ST SIMONS ISLAND, GA 31522-3312
Document Number	0039840202
Instrument Date	Dec 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 BRUCE DR ST SIMONS ISLAND GA 315223312, ST SIMONS ISLAND, GA 31522-3312

Mortgage

Document Number	0039840202
Date	Jan 8, 2019
Book Page	003984/000202
Instrument	229

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1908 Bruce Dr was $14,675.

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	$14,675.00	$585,160 (-) Land $356,400 Building $228,760	$1,462,900 (-) Land $891,000 Building $571,900
2025	$14,675.00	$585,160 Land $356,400 Building $228,760	$1,462,900 Land $891,000 Building $571,900
2023		$554,920 (+38.95%) Land $345,600 Building $209,320	$1,387,300 (+38.95%) Land $864,000 Building $523,300
2022	$10,015.00	$399,360 Land $216,000 Building $183,360	$998,400 Land $540,000 Building $458,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1908 Bruce 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 455 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	952 units insured incl. 497 condo units
Nearby Flood Claims	74 (1986–2025)
Claims Outside the SFHA	2 of 74
Most Recent Claim	Mar 2025 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 30 claims Hurricane Matthew, Oct 2016 · 19 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 1908 Bruce Dr is moderate, ranking above 54% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 54% of the US · above 77% of Georgia
Wildfire Likelihood	0.06% 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 292 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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