237 Circle Dr, Saint Simons Island, GA 31522 Property Records

Glynn County property record for 237 Circle Dr, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,631 sqft · built 1978
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Tax Bill	$6,399 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Jul 2025 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`04-02698`

Property Details

APN / Parcel Number

Primary APN	`04-02698`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,631 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	266 ft deep x 108 ft wide
Garage Type	Attached
Garage Area	273 sqft
Porch	Porch
Porch Area	105 sqft
Patio Area	163 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	237 CIRCLE DR
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-2631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	PT 13&14-K ST SI HGT
Legal Subdivision	0031-20
Legal Block	22
Legal Lot Number	9
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	1
Census Block	1024
Census Tract	201

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	237 CIRCLE DR, SAINT SIMONS ISLAND, GA 31522-2631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2025	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE
Jul 3, 2025	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE
May 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BK
Apr 24, 2018	Loan Modification, Mortgage · Conventional Mortgage WFB NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	237 CIRCLE DR, SAINT SIMONS ISLAND, GA 31522-2631
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 CIRCLE DR, SAINT SIMONS ISLAND, GA 31522-2631

Mortgage

Document Number	0051340000000323
Date	Jul 3, 2025
Book Page	0000005134/0000000323
Instrument	2025006313

Lender

Name	PHH MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	870 Months
Due	Jan 1, 2098

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	237 CIRCLE DR, SAINT SIMONS ISLAND, GA 31522-2631
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 CIRCLE DR, SAINT SIMONS ISLAND, GA 31522-2631

Mortgage

Document Number	0051340000000310
Date	Jul 3, 2025
Book Page	0000005134/0000000310
Instrument	2025006312

Lender

Name	PHH MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	870 Months
Due	Jan 1, 2098

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	237 CIRCLE DR, ST SIMONS ISLAND, GA 31522-2631
Document Number	0040350238
Instrument Date	May 10, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 CIRCLE DR ST SIMONS ISLAND GA 315222631, ST SIMONS ISLAND, GA 31522-2631

Mortgage

Document Number	0040350238
Date	May 22, 2019
Book Page	004035/000238

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2049

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GLYNN GA
Property Address	237 CIRCLE DR, ST SIMONS ISLAND, GA 31522-2631
Document Number	0038900398
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 CIRCLE DR ST SIMONS ISLAND GA 315222631, ST SIMONS ISLAND, GA 31522-2631

Mortgage

Document Number	0038900398
Date	May 22, 2018
Book Page	003890/000398
Instrument	5366

Lender

Name	WFB NA
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 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	$6,399.00 (+7.6%)	$255,160 (+7.59%) Land $142,720 Building $112,440	$637,900 (+7.59%) Land $356,800 Building $281,100
2025	$5,947.00 (+11.93%)	$237,160 (-1%) Land $142,720 Building $94,440	$592,900 (-1%) Land $356,800 Building $236,100
2023		$239,560 (+13.06%) Land $142,720 Building $96,840	$598,900 (+13.06%) Land $356,800 Building $242,100
2022	$5,313.00	$211,880 Land $142,720 Building $69,160	$529,700 Land $356,800 Building $172,900

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 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 Record median of 562 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	722 units insured incl. 160 condo units
Nearby Flood Claims	51 (2016–2022)
Most Recent Claim	Nov 2022 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 34 claims Hurricane Matthew, Oct 2016 · 6 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 45% of the US · above 47% of Georgia
Wildfire Likelihood	0.08% 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 435 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

May also be available: Verizon.

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