198 Rivera Dr, Saint Simons Island, GA 31522 Property Records

Glynn County property record for 198 Rivera Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,220 sqft · built 2006
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Jun 2026)
Tax Bill	$6,157 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-14168`

Property Details

APN / Parcel Number

Primary APN	`04-14168`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,220 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Cottage
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Metal
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	114 ft deep x 50 ft wide
Porch	Porch
Porch Area	240 sqft
Patio Area	295 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	198 RIVERA DR
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R9
Legal Description	16-6 ELDORADO
Legal Subdivision	0030-20
Legal Lot Number	147
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	2
Census Block	2000
Census Tract	202

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	198 RIVERA DR, SAINT SIMONS ISLAND, GA 31522-1735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Limited Warranty Deed, Transfer THOMASVILLE NATIONAL BANK
Jun 8, 2026	Deed of Trust, Mortgage
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO
Dec 12, 2022	Warranty Deed, Transfer
Jul 28, 2022	Warranty Deed, Transfer · Commercial Mortgage WRIGHT JOHN R JR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2026 · Amount on Record
Deed Sale	Jun 8, 2026 · Amount on Record
Prior Sale	Dec 16, 2022 · Amount on Record
Deed Book / Page	5211 / 453
Record Updated	Oct 29, 2026

June 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Jun 8, 2026
Property Address	198 RIVERA DR, SAINT SIMONS ISLAND, GA 31522-1735
Document Number	5211000453
Book / Page	5211 / 453
Instrument Date	Jun 4, 2026
Transaction Type	Transfer
Record Updated	Aug 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 RIVERA DR, SAINT SIMONS ISLAND, GA 31522-1735

Mortgage

Document Number	5211000455,
Date	Jun 8, 2026
Book Page	5211/455

Lender

Name	THOMASVILLE NATIONAL BANK

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate	6.37%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Recording Date	Jun 8, 2026
Property Address	198 RIVERA DR, SAINT SIMONS ISLAND, GA 31522-1735
Document Number	0000005607
Book / Page	5211 / 464
Instrument Date	Jun 4, 2026
Instrument	20265607
Transaction Type	Mortgage
Record Updated	Aug 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 RIVERA DR, SAINT SIMONS ISLAND, GA 31522-1735

Mortgage

Document Number	0000005607,
Date	Jun 8, 2026
Book Page	5211/464
Instrument	20265607

Lender

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Jun 1, 2029

Interest

Rate	6.37%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	198 RIVERA DR, SAINT SIMONS ISLAND, GA 31522-1735
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 RIVERA DR, SAINT SIMONS ISLAND, GA 31522-1735

Mortgage

Document Number	0045420000000330
Date	Sep 16, 2021
Book Page	0000004542/0000000330
Instrument	0632021015070

Lender

Name	WELLS FARGO

Agreement

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

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Dec 12, 2022
Property Address	198 RIVERA DR, SAINT SIMONS ISLAND, GA 31522-1735
Document Number	0047740387
Book / Page	4774 / 387
Instrument Date	Dec 12, 2022
Instrument	2022-005678
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Amount	Amount Recorded
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	429 BROADLAND RD NW, ATLANTA, GA 30342-3606

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Jul 28, 2022
Property Address	198 RIVERA DR, SAINT SIMONS ISLAND, GA 31522-1735
Document Number	0047210360
Book / Page	4721 / 360
Instrument Date	Jul 28, 2022
Instrument	2022-003639
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Amount	Amount Recorded
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	429 BROADLAND RD NW, ATLANTA, GA 30342-3606

Mortgage

Document Number	632022009904
Date	Jul 28, 2022
Instrument	0632022009904

Lender

Name	WRIGHT JOHN R JR

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 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	$6,157.00 (-7.43%)	$245,520 (-7.43%) Land $35,200 Building $210,320	$613,800 (-7.43%) Land $88,000 Building $525,800
2025	$6,651.00 (+17.63%)	$265,240 (+3.27%) Land $35,200 Building $230,040	$663,100 (+3.27%) Land $88,000 Building $575,100
2023		$256,840 (+13.91%) Land $35,200 Building $221,640	$642,100 (+13.91%) Land $88,000 Building $554,100
2022	$5,654.00	$225,480 Land $26,400 Building $199,080	$563,700 Land $66,000 Building $497,700

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

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 380 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	472 units insured incl. 92 condo units
Nearby Flood Claims	14 (2016–2021)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Jul 2021 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 10 claims Hurricane Matthew, Oct 2016 · 2 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	Moderate above 53% of the US · above 76% of Georgia
Wildfire Likelihood	0.1% 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 217 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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