Gated Communities in St. Marys, GA: Homes for Sale
By Jon Brooks, Co-Founder, Momentum Realty · Updated September 28, 2026
This page tracks every St. Marys listing whose MLS record reports a gated community (manned gate, unmanned gate or security gate), by community, with live counts and asking prices, and the fee questions that come with the gate.
35 homes in gated communities are for sale or pending in St. Marys, GA today across 3 communities. The median asking price is $565,000, from $330,000 to $1,150,000. Listings in St. Marys without that feature have a median of $360,950. Most listings right now: Osprey Cove (26), Cumberland Harbour (8), Cumberland Palms (1). Updated September 28, 2026 from the MLS.
Live gated community homes in St. Marys: the listings
28 active listings carry the flag today (34% of St. Marys inventory), median asking $654,672, $219/sq ft, median 121 days on market. Photo cards link to the listing; refreshed nightly.
A gate is an HOA amenity, so it shows up in dues: an unmanned keypad or transponder gate adds little; a 24-hour manned gate is a six-figure annual staffing line shared by the homeowners, and the roads behind it are usually private, which means the association, not the county, pays to repave them. Ask for the current HOA budget and reserve study, whether the roads are private, and whether a gate or road assessment is pending. The MLS field records the gate, not its staffing, so confirm which kind it is before you value it. Our true cost of ownership calculator puts HOA dues, taxes and insurance into one monthly number.
Questions to ask about any gated-community listing
Is the gate manned, and during what hours? Are the roads private, and what do the reserves look like for repaving? What are the HOA dues today and what did they run three years ago? Is there a CDD or a special assessment on the books? What are the guest-access and delivery rules? A local agent who works the community will know which gates are staffed and which associations are underfunded.
Common questions
How many homes in gated communities are for sale in St. Marys?
As of September 28, 2026, 35 St. Marys, GA listings whose MLS record reports a gated community are active or pending, across 3 communities. The count updates with every MLS refresh.
What do gated community homes cost in St. Marys?
The median asking price today is $565,000, with listings from $330,000 to $1,150,000. St. Marys listings without that feature have a median of $360,950.
Which St. Marys community has the most gated community homes for sale?
Osprey Cove has the most right now (26), followed by Cumberland Harbour (8), Cumberland Palms (1).
Are gated communities more expensive to own?
Usually the HOA dues are higher, because the gate, any guard staffing and the private roads behind it are paid for by the homeowners. Home prices vary by community; the table above shows the asking prices in each gated community with listings today, and the HOA figure on each community's own guide shows what the dues actually run.
Live data: Scout (GAMLS), refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in St. Marys, GA whose MLS record reports a gated community. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.
Listing data provided by ScoutMLS® (Golden Isles Association of REALTORS®). The data is deemed reliable but is not guaranteed to be accurate by ScoutMLS.
Hiring an agent in St. Marys, GA?
Get matched with the right local expert.
Tell us your goal in St. Marys, GA and we’ll connect you with the Momentum agent who knows it best — backed by a RealTrends 500 brokerage. No pressure, no obligation.
