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For sale

502 Cardinal Circle E, St. Marys, GA 31558

Listing by Coldwell Banker Access Realty

Beds
3
Baths
2
Sq ft
1,812
Lot
0.61 acres

About this home

THIS BEAUTIFULLY UPDATED THREE-BEDROOM HOME IN OSPREY COVE IS SURE TO IMPRESS! DESIGNED WITH AN OPEN-CONCEPT LAYOUT, THE EXPANSIVE LIVING AREA IS IDEAL FOR ENTERTAINING AND EVERYDAY COMFORT. THE EAT-IN KITCHEN FEATURES A LARGE ISLAND BAR OVERLOOKING THE FAMILY ROOM, COMPLETE WITH A GAS RANGE, RANGE HOOD, AND STUNNING QUARTZ COUNTERTOPS OFFERING PLENTY OF PREP SPACE. NATURAL LIGHT FILLS THE LIVING AREAS, WHETHER YOU'RE ENJOYING A CASUAL BREAKFAST IN THE NOOK OR HOSTING DINNER IN THE FORMAL DINING ROOM. STEP OUTSIDE TO THE SCREENED LANAI FOR YOUR MORNING COFFEE WHILE TAKING IN PEACEFUL LAKE VIEWS AND THE GREEN FOR HOLE #1. THE EXTERIOR IS JUST AS INVITING WITH A BRICK PAVER PATIO, IRRIGATION SYSTEM, AND A NEW ROOF FOR PEACE OF MIND. RETREAT TO THE SPACIOUS PRIMARY SUITE FEATURING A SOAKING TUB, TILED SHOWER, DUAL VANITY, AND GENEROUS WALK-IN CLOSET. THIS SPLIT FLOOR PLAN ALSO OFFERS TWO ADDITIONAL BEDROOMS AND A FULL BATH FOR GUESTS OR FAMILY. ADDITIONAL UPGRADES INCLUDE A NEW HVAC SYSTEM, FRESH INTERIOR PAINT, AND A NEW WASHER AND DRYER IN THE INDOOR LAUNDRY/MUD ROOM. BONUS: NO FLOOD INSURANCE REQUIRED! RESIDENTS OF OSPREY COVE CAN CHOOSE TO JOIN THE EXCLUSIVE CLUB, OFFERING RESORT-STYLE AMENITIES SUCH AS A POOL, FITNESS CENTER, TENNIS COURTS, 18-HOLE CHAMPIONSHIP GOLF COURSE, BOAT AND RV STORAGE, COMMUNITY BOAT RAMP, AND DAY DOCK. THE ON-SITE CLUBHOUSE FEATURES A RESTAURANT WITH INDOOR AND OUTDOOR SEATING OVERLOOKING THE WATER AND GOLF COURSE, PLUS A TIKI HUT BAR BY THE POOL. HOA DUES INCLUDE 24/7 GATED SECURITY AND YEAR-ROUND MAINTENANCE OF ALL COMMON AREAS. MOVE-IN READY AND EASY TO SHOW-SCHEDULE YOUR PRIVATE TOUR TODAY AND EXPERIENCE THE EXCEPTIONAL LIFESTYLE THAT OSPREY COVE HAS TO OFFER!

Type
Single Family Residence
Year built
1995
Price per sq ft
$246
HOA
$1,707/mo
Garage
—
Property tax (2025)
$5,505/yr
Listed
—
MLS #
10888581

Features

WaterfrontSingle story

Interior

Double Vanity · High Ceilings · Separate Shower · Soaking Tub · Split Bedroom Plan · Tile Bath · Walk-In Closet(s)

Appliances

Convection Oven · Dishwasher · Dryer · Electric Water Heater · Range · Refrigerator · Stainless Steel Appliance(s) · Washer · Water Softener

Exterior

Sprinkler System

Heating

Central · Electric · Heat Pump

Cooling

Ceiling Fan(s) · Central Air · Electric · Heat Pump

Flooring

Carpet · Tile · Vinyl

View

Lake

Lot

Level

Property details

Interior

Bedrooms on main level:
3
Primary bedroom on main:
Yes
Laundry:
Mud Room
Windows:
Double Pane Windows
Security:
Gated Community, Smoke Detector(s)
Levels:
One

Exterior and lot

Lot size:
0.61 acres
Patio and porch:
Patio, Porch, Screened
Waterfront features:
No Dock Or Boathouse

Construction

Architectural style:
Ranch, Traditional
Construction materials:
Tabby
Roof:
Composition
Foundation:
Slab
Property condition:
Updated/Remodeled

Utilities

Sewer:
Public Sewer
Water source:
Public
Utilities:
Cable Available, Electricity Available, High Speed Internet, Natural Gas Available, Phone Available, Sewer Connected, Underground Utilities, Water Available

Parking

Parking total:
2
Parking features:
Garage, Attached, Kitchen Level, Garage Door Opener, Side/Rear Entrance

Community and HOA

Subdivision:
Osprey Cove
HOA:
Yes
HOA fee:
$1,707/month
Association fee includes:
Management Fee, Private Roads, Reserve Fund, Security
Community features:
Boat/Camper/Van Prkg, Clubhouse, Fitness Center, Gated, Golf, Lake, Marina, Playground, Pool

Taxes and financial

Annual tax amount:
$5,505 (2025)
Listing terms:
1031 Exchange, Cash, Conventional, FHA, USDA Loan, VA Loan
Special listing conditions:
Covenants/Restrictions

Monthly cost

Estimated monthly cost

$4,803/mo

Principal & interest
$2,192
Property taxes
$459
Home insurance
$445
HOA dues
$1,707

$89,000

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
Nov 11, 2026Listed for sale$445,000

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:
Coldwell Banker Access Realty
Listing ID:
10888581
Status:
For sale

Source: Georgia MLS · Updated just now · 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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