44 Bay Tree Ct E, Saint Simons Island, GA 31522 Property Records

Glynn County property record for 44 Bay Tree Ct E, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,409 sqft · built 1987
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$417,600 (Jun 2021)
Tax Bill	$5,306 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Aug 2020 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`04-08101`

Property Details

APN / Parcel Number

Primary APN	`04-08101`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,409 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	513 sqft
Porch	Porch
Porch Area	164 sqft
Patio Area	910 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	44 BAY TREE CT E
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-5202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDG
Legal Description	44 BAY TREE COTTAGES
Legal Subdivision	0028-00
Legal Block	1
Legal Lot Number	2
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	1
Census Block	1008
Census Tract	303

Owner

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	Individual Name on Record
Mailing Address	44 BAY TREE CT E, SAINT SIMONS ISLAND, GA 31522-5202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO
Aug 27, 2020	Grant Deed, Transfer ATTORNEY ONLY
Mar 17, 2020	Grant Deed, Transfer · Conventional with PMI MAGNOLIA ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2021 · Amount on Record
Deed Sale	Jun 17, 2021 · Amount on Record
Prior Sale	Aug 26, 2020 · Amount on Record
Deed Document Number	20213107
Deed Book / Page	4480 / 58
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Jun 17, 2021
Property Address	44 BAY TREE CT E, ST SIMONS ISLAND, GA 31522-5202
Document Number	0044800058
Book / Page	4480 / 58
Instrument Date	Jun 17, 2021
Instrument	2021-003107
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	44 BAY TREE CT E, ST SIMONS IS, GA 31522-5202

Mortgage

Document Number	0044800000000063
Date	Jun 18, 2021
Book Page	0000004480/0000000063
Instrument	0632021010062

Lender

Name	WELLS FARGO

Agreement

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

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Aug 27, 2020
Property Address	44 BAY TREE CT E, ST SIMONS ISLAND, GA 31522-5202
Document Number	0042670401
Book / Page	004267 / 000401
Instrument Date	Aug 26, 2020
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$354.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 BAY TREE CT E ST SIMONS ISLAND GA 315225202, ST SIMONS ISLAND, GA 31522-5202

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Mar 17, 2020
Property Address	44 BAY TREE CT E, ST SIMONS ISLAND, GA 31522-5202
Document Number	0041740169
Book / Page	004174 / 000169
Instrument Date	Mar 6, 2020
Instrument	3156
Transaction Type	Transfer
Record Updated	Apr 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 BAY TREE CT E ST ST SIMONS ISLAND GA 31522, ST SIMONS ISLAND, GA 31522

Mortgage

Document Number	41740171
Date	Mar 17, 2020
Book Page	004174/000171
Instrument	3157

Lender

Name	MAGNOLIA ST BK
Type	Bank
Address	GRAY, GA 31032

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Mar 16, 2025

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	$5,306.00 (+3.86%)	$211,600 (+3.87%) Land $40,000 Building $171,600	$529,000 (+3.87%) Land $100,000 Building $429,000
2025	$5,109.00 (+35.09%)	$203,720 (+1.01%) Land $32,000 Building $171,720	$509,300 (+1.01%) Land $80,000 Building $429,300
2023		$201,680 (+33.7%) Land $26,000 Building $175,680	$504,200 (+33.7%) Land $65,000 Building $439,200
2022	$3,782.00	$150,840 Land $26,000 Building $124,840	$377,100 Land $65,000 Building $312,100

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.

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	Moderate above 58% of the US · above 86% of Georgia
Wildfire Likelihood	0.2% 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 145 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 · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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