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

Glynn County property record for 45 Bay Tree Ct E, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,519 sqft · built 1986
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Feb 2024)
Tax Bill	$5,040 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`04-08100`

Property Details

APN / Parcel Number

Primary APN	`04-08100`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,519 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Pier/Post & Beam
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	54 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	45 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	45 BAY TREE COTTAGES
Legal Subdivision	0028-00
Legal Block	1
Legal Lot Number	1
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	1
Census Block	1008
Census Tract	303

Owner

45 Bay Tree Ct E is owned by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	29 PRIVATE WAY, ORANGE, NH 03741-5108
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
Feb 6, 2024	Warranty Deed, Transfer · Conventional Mortgage KIND LENDING
Feb 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage PRIMESOUTH BANK
Feb 16, 2017	Grant Deed, Transfer · Conventional with PMI ATLANTIC NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2024 · Amount on File
Deed Sale	Feb 6, 2024 · Amount on File
Prior Sale	Feb 15, 2017 · Amount on File
Deed Book / Page	4932 / 314
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Feb 6, 2024
Property Address	45 BAY TREE CT E, ST SIMONS ISLAND, GA 31522-5202
Document Number	0049320314
Book / Page	4932 / 314
Instrument Date	Feb 2, 2024
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BAY TREE CT E, ST SIMONS IS, GA 31522-5202

Mortgage

Document Number	2024001009
Date	Feb 6, 2024
Instrument	2024001009

Lender

Name	KIND LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2054

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	45 BAY TREE CT E, ST SIMONS ISLAND, GA 31522-5202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038470199
Date	Feb 8, 2018
Book Page	3847/199
Instrument	632018001240

Lender

Name	PRIMESOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2028

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Feb 16, 2017
Property Address	45 BAY TREE CT E, ST SIMONS ISLAND, GA 31522-5202
Document Number	0037010451
Book / Page	003701 / 000451
Instrument Date	Feb 15, 2017
Instrument	1719
Transaction Type	Transfer
Record Updated	Mar 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 COASTAL HILL DR INDIAN HARBOUR BEACH FL 329372759, INDIAN HARBOUR BEACH, FL 32937-2759

Mortgage

Document Number	37010453
Date	Feb 16, 2017
Book Page	003701/000453
Instrument	1720

Lender

Name	ATLANTIC NAT'L BK
Type	Bank
Address	BRUNSWICK, GA 31520

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	12 Months
Due	Feb 15, 2018

Tax Assessment & Valuation

The 2026 property tax bill for 45 Bay Tree Ct E was $5,040, up 4.1% from the year before.

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	$5,040.00 (+4.13%)	$201,000 (+4.15%) Land $40,000 Building $161,000	$502,500 (+4.15%) Land $100,000 Building $402,500
2025	$4,840.00	$193,000 Land $32,000 Building $161,000	$482,500 Land $80,000 Building $402,500
2023		$153,680 (+31.67%) Land $26,000 Building $127,680	$384,200 (+31.67%) Land $65,000 Building $319,200
2022	$2,927.00	$116,720 Land $26,000 Building $90,720	$291,800 Land $65,000 Building $226,800

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

FEMA maps place 45 Bay Tree Ct E 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
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	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

Wildfire risk around 45 Bay Tree Ct E is moderate, ranking above 58% of the US, with a 0.2% annual chance of 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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