951 Champney, Saint Simons Island, GA 31522 Property Records

Glynn County property record for 951 Champney, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 5,208 sqft · built 2001
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Apr 2020)
Tax Bill	$13,677 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-08859`

Property Details

APN / Parcel Number

Primary APN	`04-08859`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	5,208 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Raised Ranch
Exterior Material	Other
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Metal
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	280 ft deep x 135 ft wide

Exterior Amenities

Pool Area	336 sqft
Porch	Porch
Porch Area	872 sqft
Patio Area	694 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	951 CHAMPNEY
City	SAINT SIMONS ISLAND
State	GA
Zip	31522-5467
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	951 HAMPTON PLANT P-2
Legal Subdivision	0007-00
Legal Phase	2
Legal Block	22
Legal Lot Number	30
Jurisdiction	GLYNN GA
Township / Civil Division	ST. SIMONS
Census Block Group	1
Census Block	1001
Census Tract	302

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	951 CHAMPNEY, SAINT SIMONS ISLAND, GA 31522-5467
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK
Apr 13, 2020	Grant Deed, Transfer GOLDMAN SACHS BK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2020 · Amount on Record
Deed Sale	Apr 9, 2020 · Amount on Record
Prior Sale	Apr 17, 2015 · Amount on Record
Deed Document Number	20201411
Deed Book / Page	4187 / 440
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	951 CHAMPNEY, SAINT SIMONS ISLAND, GA 31522-5467
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	951 CHAMPNEY, SAINT SIMONS ISLAND, GA 31522-5467

Mortgage

Document Number	0046190000000284
Date	Jan 21, 2022
Book Page	0000004619/0000000284
Instrument	0632022000938

Lender

Name	MORGAN STANLEY PRIVATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLYNN GA
Recording Date	Apr 13, 2020
Property Address	951 CHAMPNEY, ST SIMONS ISLAND, GA 31522-5467
Document Number	0041870440
Book / Page	004187 / 000440
Instrument Date	Apr 9, 2020
Instrument	4240
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	951 CHAMPNEY ST SIMONS ISLAND GA 315225467, ST SIMONS ISLAND, GA 31522-5467

Mortgage

Document Number	41870442
Date	Apr 13, 2020
Book Page	004187/000442

Lender

Name	GOLDMAN SACHS BK USA
Type	Bank
Address	NEW YORK, NY 10282

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.3%

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	$13,677.00	$545,360 (-) Land $67,600 Building $477,760	$1,363,400 (-) Land $169,000 Building $1,194,400
2025	$13,677.00 (+21.7%)	$545,360 (+6.9%) Land $67,600 Building $477,760	$1,363,400 (+6.9%) Land $169,000 Building $1,194,400
2023		$510,160 (+13.84%) Land $67,600 Building $442,560	$1,275,400 (+13.84%) Land $169,000 Building $1,106,400
2022	$11,238.00	$448,120 Land $67,600 Building $380,520	$1,120,300 Land $169,000 Building $951,300

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 497 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	619 units insured incl. 122 condo units
Nearby Flood Claims	23 (2016–2022)
Claims Outside the SFHA	2 of 23
Most Recent Claim	Nov 2022 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 16 claims Hurricane Matthew, Oct 2016 · 3 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	High above 89% of the US · above 99.7% of Georgia
Wildfire Likelihood	0.5% 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 45 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

Cell Coverage

5G (outdoors only) and 4G LTE

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