$419,900
3 bd · 2 ba · 1,320 sqft · House
109 E Church Street, St. Marys, GA 31558
Listing by Coldwell Banker Access Realty
$420,000
Est. monthly cost
$4,558/mo
Listing by St. Marys Realty Inc
Welcome to 238 Cardinal Circle West, a move-in-ready home ideally situated along the golf course in the desirable Osprey Cove community. Enjoy beautiful golf course views while still maintaining a sense of privacy in the backyard, offering the perfect balance of scenery and seclusion. Recently painted inside and out,, this well-maintained home offers a spacious and functional split-bedroom floor plan. The inviting living area features a fireplace, while the separate dining room provides plenty of space for entertaining. Two generously sized guest bedrooms are located on one side of the home, with the private primary suite thoughtfully positioned on the opposite side. The spacious kitchen offers abundant room for cooking and gathering, along with a comfortable breakfast and seating area overlooking the golf course, a wonderful spot to enjoy your morning coffee while taking in the view. Located within Osprey Cove, one of St. Marys' premier gated golf communities, this home combines a peaceful golf course setting, privacy, and a move-in-ready interior. Conveniently located near shopping, dining, historic downtown St. Marys, Kings Bay Naval Submarine Base, and easy access to I-95, Jacksonville, and the surrounding coastal area. 238 Cardinal Circle West offers the golf course lifestyle without sacrificing backyard privacy and is ready for its next owner to move right in and enjoy.
Bookcases · Master On Main Level
Cooktop · Dryer · Microwave · Range · Refrigerator · Stainless Steel Appliance(s)
Electric
Central Air
Carpet · Tile
Other · Private
Estimated monthly cost
$4,558/mo
$84,000
Estimate only. Taxes use the listing's most recent figure where available; insurance assumes 1.2% of price per year, typical for the area, not including flood cover. Mortgage insurance applies below 20% down.
| Date | Event | Price |
|---|---|---|
| Oct 15, 2026 | Listed for sale | $420,000 |
Mary Lee Clark
Elementary
Saint Marys
Middle
Camden
High
School assignments can change — verify with the district before you buy.
Source: Georgia MLS · Updated 3m ago · Nov 13, 2026, 8:00 PM ET

Listings courtesy of Georgia MLS. Listing information © 2026 Georgia MLS. All rights reserved. Each listing names its listing firm.
© 2026 Georgia MLS. All rights reserved. Information is deemed reliable but is not guaranteed. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by GAMLS. Last updated Nov 13, 2026, 8:00 PM ET
Report a listing problem$419,900
3 bd · 2 ba · 1,320 sqft · House
109 E Church Street, St. Marys, GA 31558
Listing by Coldwell Banker Access Realty
$400,000
— bd · — ba · 0 sqft · Commercial
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