Glynn County property record for 316 Cedar St, Saint Simons Island, GA 31522
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,268 sqft · built 2008 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $279,000 (Jul 2018) |
| Tax Bill | $3,704 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 04-14170 |
| Primary APN | 04-14170 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,268 sqft Living Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Cottage |
| Exterior Material | Other |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| Porch | Porch |
| Porch Area | 180 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 316 CEDAR ST |
|---|---|
| City | SAINT SIMONS ISLAND |
| State | GA |
| Zip | 31522-1330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | 5-51 GLYNN HAVEN |
| Legal Subdivision | GLYNN HAVEN |
| Legal Lot Number | 295 |
| Jurisdiction | GLYNN GA |
| Township / Civil Division | ST. SIMONS |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 303 |
316 Cedar St is owned and occupied by two individuals who bought it in July 2018.
Source: Glynn County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 316 CEDAR ST, SAINT SIMONS ISLAND, GA 31522-1330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES |
| Nov 13, 2019 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Aug 2, 2018 | Grant Deed, Transfer · FHA Mortgage SUPREME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2018 · Amount on File |
| Deed Sale | Jul 31, 2018 · Amount on File |
| Prior Sale | Jan 25, 2013 · Amount on File |
| Deed Document Number | 20182897 |
| Deed Book / Page | 3924 / 112 |
| Prior Transfer Date | May 14, 2012 |
| Prior Transfer Doc | 0029980003 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLYNN GA |
| Property Address | 316 CEDAR ST, SAINT SIMONS ISLAND, GA 31522-1330 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Name | Verified Name |
|---|---|
| Address | 316 CEDAR ST, SAINT SIMONS ISLAND, GA 31522-1330 |
| Document Number | 0044090000000074 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 0000004409/0000000074 |
| Instrument | 0632021004485 |
| Name | PENNYMAC LOAN SERVICES |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLYNN GA |
| Property Address | 316 CEDAR ST, ST SIMONS ISLAND, GA 31522-1330 |
| Document Number | 0041260447 |
| Instrument Date | Nov 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 316 CEDAR ST ST SIMONS ISLAND GA 315221330, ST SIMONS ISLAND, GA 31522-1330 |
| Document Number | 0041260447 |
|---|---|
| Date | Dec 5, 2019 |
| Book Page | 004126/000447 |
| Instrument | 12958 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 4, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GLYNN GA |
| Recording Date | Aug 2, 2018 |
| Property Address | 316 CEDAR ST, ST SIMONS ISLAND, GA 31522-1330 |
| Document Number | 0039240112 |
| Book / Page | 003924 / 000112 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 8388 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $279.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 316 CEDAR ST ST SIMONS ISLAND GA 315221330, ST SIMONS ISLAND, GA 31522-1330 |
| Document Number | 39240115 |
|---|---|
| Date | Aug 2, 2018 |
| Book Page | 003924/000115 |
| Instrument | 8389 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
The 2026 property tax bill for 316 Cedar St was $3,704, up 1.8% from the year before.
Source: Glynn County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Glynn County |
| Unified School District | Glynn County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,704.00 (+1.81%) | $147,720 (+1.82%) Land $34,120 Building $113,600 | $369,300 (+1.82%) Land $85,300 Building $284,000 |
| 2025 | $3,638.00 | $145,080 Land $31,480 Building $113,600 | $362,700 Land $78,700 Building $284,000 |
| 2023 | $142,240 (+24.55%) Land $30,160 Building $112,080 | $355,600 (+24.55%) Land $75,400 Building $280,200 | |
| 2022 | $2,864.00 | $114,200 Land $30,160 Building $84,040 | $285,500 Land $75,400 Building $210,100 |
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.
FEMA maps place 316 Cedar St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 316 Cedar St is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 79% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 463 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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