955 Champney, Saint Simons Island, GA 31522 Property Records

Glynn County property record for 955 Champney, Saint Simons Island, GA 31522

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,554 sqft · built 2021
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Feb 2024)
Tax Bill	$8,594 (2026)
Deeds & Mortgages	Jan 2022 Line of Credit Feb 2024 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`04-08857`

Property Details

APN / Parcel Number

Primary APN	`04-08857`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,554 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Cottage
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Metal
Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	296 ft deep x 149 ft wide
Garage Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	955 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	955 HAMPTON PLANT P-2
Legal Subdivision	0007-00
Legal Phase	2
Legal Block	22
Legal Lot Number	28
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	955 CHAMPNEY, SAINT SIMONS ISLAND, GA 31522-5467
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOAN
Feb 14, 2024	Limited Warranty Deed, Transfer
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE ISAOA
Apr 16, 2021	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2024 · Amount on Record
Deed Sale	Feb 14, 2024 · Amount on Record
Prior Sale	Apr 16, 2021 · Amount on Record
Deed Book / Page	4935 / 132
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	955 CHAMPNEY, ST SIMONS ISLAND, GA 31522-5467
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	955 CHAMPNEY, SAINT SIMONS ISLAND, GA 31522-5467

Mortgage

Document Number	0046170000000091
Date	Jan 18, 2022
Book Page	0000004617/0000000091
Instrument	0632022000699

Lender

Name	THIRD FEDERAL SAVINGS AND LOAN

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

February 2024: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Feb 14, 2024
Property Address	955 CHAMPNEY, ST SIMONS ISLAND, GA 31522-5467
Document Number	0049350132
Book / Page	4935 / 132
Instrument Date	Feb 9, 2024
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Amount	Amount Recorded
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	955 CHAMPNEY, ST SIMONS ISLAND, GA 31522-5467

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLYNN GA
Property Address	955 CHAMPNEY, ST SIMONS ISLAND, GA 31522-5467
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	955 CHAMPNEY, SAINT SIMONS ISLAND, GA 31522-5467

Mortgage

Document Number	0044790000000425
Date	Jun 17, 2021
Book Page	0000004479/0000000425
Instrument	0632021010016

Lender

Name	BETTER MORTGAGE ISAOA

Agreement

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

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLYNN GA
Recording Date	Apr 16, 2021
Property Address	955 CHAMPNEY, ST SIMONS ISLAND, GA 31522-5467
Document Number	0044380208
Book / Page	4438 / 208
Instrument Date	Apr 16, 2021
Instrument	2021-001988
Transaction Type	Transfer
Record Updated	Sep 14, 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	955 CHAMPNEY, SAINT SIMONS ISLAND, GA 31522-5467

Mortgage

Document Number	0044380000000211
Date	May 3, 2021
Book Page	0000004438/0000000211
Instrument	0632021006789

Lender

Name	BAY EQUITY

Agreement

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

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	$8,594.00	$342,680 (-) Land $77,480 Building $265,200	$856,700 (-) Land $193,700 Building $663,000
2025	$8,594.00 (+12.68%)	$342,680 (+1.28%) Land $77,480 Building $265,200	$856,700 (+1.28%) Land $193,700 Building $663,000
2023		$338,360 (+11.26%) Land $77,480 Building $260,880	$845,900 (+11.26%) Land $193,700 Building $652,200
2022	$7,627.00	$304,120 Land $77,480 Building $226,640	$760,300 Land $193,700 Building $566,600

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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