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For sale

238 Cardinal Circle W, St. Marys, GA 31558

Listing by St. Marys Realty Inc

Beds
3
Baths
2
Sq ft
2,109
Lot
—

About this home

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.

Type
Single Family Residence
Year built
1992
Price per sq ft
$199
HOA
$1,793/mo
Garage
—
Property tax (2025)
$3,319/yr
Listed
—
MLS #
10857204

Features

Single story

Interior

Bookcases · Master On Main Level

Appliances

Cooktop · Dryer · Microwave · Range · Refrigerator · Stainless Steel Appliance(s)

Heating

Electric

Cooling

Central Air

Flooring

Carpet · Tile

Lot

Other · Private

Property details

Interior

Bedrooms on main level:
3
Primary bedroom on main:
Yes
Fireplaces:
1
Fireplace features:
Family Room
Laundry:
In Hall
Levels:
One

Construction

Architectural style:
Traditional
Construction materials:
Stucco
Roof:
Tile
Property condition:
Resale

Utilities

Sewer:
Public Sewer
Water source:
Public
Utilities:
Electricity Available

Parking

Parking features:
Garage

Community and HOA

Subdivision:
Osprey Cove
HOA:
Yes
HOA fee:
$1,793/month
Association fee includes:
Facilities Fee, Maintenance Grounds, Security, Swimming, Tennis
Community features:
Clubhouse, Fitness Center, Gated, Pool, Shared Dock, Tennis Court(s)

Taxes and financial

Annual tax amount:
$3,319 (2025)

Monthly cost

Estimated monthly cost

$4,558/mo

Principal & interest
$2,069
Property taxes
$277
Home insurance
$420
HOA dues
$1,793

$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.

Price & status history

DateEventPrice
Oct 15, 2026Listed for sale$420,000

Schools

  • Mary Lee Clark

    Elementary

  • Saint Marys

    Middle

  • Camden

    High

School assignments can change — verify with the district before you buy.

Location

More homes in Osprey Cove

Listing information

Listing office:
St. Marys Realty Inc
Listing ID:
10857204
Status:
For sale

Source: Georgia MLS · Updated 3m ago · Nov 13, 2026, 8:00 PM ET

Georgia MLS

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

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