Active Single Family Residence
$435,000
4-Bedroom Home in St. Matthews Place

111 Saint Matthews Road, Guyton, GA 31312

Single Family Residence in St. Matthews Place, Guyton · No CDD on record
St. Matthews Place · Guyton, GA 31312 · Effingham County
Listing data updated October 20, 2026 at 10:27 AM ET · checked against the MLS hourly
4Bedrooms
2.5Bathrooms
2,644Sq Ft
2006Year Built
$165Per Sq Ft
GarageNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
in line with
$/sq ft vs community
$165 here vs $162 median sold (12 mo)
Zone X
Flood risk
Minimal hazard per FEMA; ~65 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 11 of 12
Price vs recent sales
Asking $435k tops 11 of the last 12 closed sales

Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 20, 2026, 111 Saint Matthews Road in St. Matthews Place, Guyton is listed at $435,000 (2,644 sq ft, about $165 per sq ft). It came to market within the past week. Listing facts: built in 2006. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2006 · 20 yrs
  • 2,644 sq ft of living area
  • Garage
  • Listed at $435,000 — recent neighborhood median sale price ~$349,900 (nearby sales; deemed reliable, not an appraisal)
  • Active listing
Listing description

About this home

SOUTH EFFINGHAM-HALF ACRE LOT!! Timeless, Traditional Brick Beauty Presents a Single Story Split Floor Plan-Boasting Many Elegant Design Elements. Formal Foyer Leads to Formal DR and Formal LR While Generous Great Room Showcases Fireplace with Stone Surround, Vaulted Ceiling and Direct Access to Outdoor Entertaining and Updated and Upgraded Kitchen which is Complete with Custom Cabinetry, Breakfast Bar, Quartz Counters, Specialty Sink and Adjoining Breakfast Area.

Powder Room for Guests and Lovely Wood Flooring Complete the Living Space.. Expansive Master Bedroom is a True Retreat with Dedicated Sitting Area, Tray Ceiling, and Space for Large Scale Furnishings - Simplify Morning Routines as Master Bath Has 2 Separate Vanities, Large Shower, and Soaking Tub..3 Additional Bed Rooms are on Opposite Side of Home, are Spacious, and Share a Fully Equipped Bath. Outdoor Living Space Offers Patio, Fencing, and Lots of Greenspace to Meet Your Specific Needs.

All 41 photos

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Description provided by Coldwell Banker Access Realty and reproduced from the MLS; not independently verified.

Listing courtesy of Coldwell Banker Access Realty · Listing agent: Molly Cohen · 912-352-1222Provided via the Georgia MLS (GAMLS) Internet Data Exchange · Source: Georgia MLS (GAMLS) · © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$435,000
Bed / bath4 / 2.5
Living area2,644 sq ft
Year built2006
Property typeSingle Family Residence
GarageYes
MLS #10875317
Listing statusActive

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~65 ft
CountyEffingham
Estimated first-year tax~$4,568/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Price per sq ft$165
Estimated monthly payment$2,965
Insurance (illustrative)$2k–$3k/yr
Messtimate range$404,532 – $589,612
Comparable-sales median$349,900

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$2,965/mo
  • Principal & interest $2,409/mo 81%
  • Taxes $381/mo 13%
  • Insurance $175/mo 6%

$2,965/mo at 20% down, 30-yr @ 7.4% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$4,568/yr

Estimate: a typical Effingham effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$2k–$3k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
Not reported

Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~65 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Effingham County, GA: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively Moderate
Coastal floodingVery Low
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Low
LightningRelatively Low
Strong windRelatively Low
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Low
Winter weatherVery Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · St. Matthews Place

Pricing & the St. Matthews Place market

How this home is priced against recent nearby sales, and where St. Matthews Place has been over 25 years. Momentum Research analysis of Georgia MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales111 Gleaston Way111 Gleaston Way: $146/sq ft$146105 Gleaston Way105 Gleaston Way: $153/sq ft$153101 Quarterhorse Drive101 Quarterhorse Drive: $162/sq ft$162This homeThis home: $165/sq ft$165319 Windsor Road319 Windsor Road: $223/sq ft$223113 Vintage Drive113 Vintage Drive: $231/sq ft$231Community median $162
Property timeline

This home’s history

  • 2006BuiltPer public record
  • Oct 19, 2026First seen on movewithmomentum.comObserved at $435,000
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $435,000Momentum Realty · on market 0 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

5 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 5 sales: $349,900 ($162/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

Momentum Scores

Momentum Property Score

56/100
Strongest on: Flood safety (95), Insurance cost (73)
0 limited50100 exceptional

56/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area45
This home $165/sq ft vs the community 12-month median $162/sq ft.
Affordability9
List price $435,000 vs the community median $349,900. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~65 ft elevation. Verify the parcel with FEMA.
Insurance cost73
From FEMA Zone X and a 2006 build. Obtain a property-specific quote.

Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $165 per square foot, about in line with the community’s $162 median. St. Matthews Place’s 12-month median sold price per square foot is $162. MLS facts: Georgia MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 20, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Coldwell Banker Access Realty · MLS # 10875317

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Keep looking

Similar homes for sale near St. Matthews Place

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Newest listings in St. Matthews Place

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Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings

Assigned schools

Assigned schools

Schools currently assigned to this address in Effingham County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

MarlowAssigned elementary school · Effingham County School District
South EffinghamAssigned middle school · Effingham County School District
South EffinghamAssigned high school · Effingham County School District
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

City
Guyton

Groceries, dining, and parks for this city — see the city guide.

View →
County
Effingham

Schools, taxes, and services are county-administered — see the county guide.

Community
St. Matthews Place

Amenities and HOA/CDD detail on the neighborhood guide.

Before you decide

Buyer research checklist

Items worth confirming for 111 Saint Matthews Road, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2006 (20 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • Confirm whether a mandatory HOA applies to this parcel and what it charges.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Effingham County; age of roof and any prior claims affect the premium.
  • Listed living area is 2,644 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $4,568/yr) assumes reassessment at the list price; confirm exemptions with the county tax assessor.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance

Data sources & freshness

Listing recordGeorgia MLS, checked against the MLS hourly (last: October 20, 2026)
Comparable salesGeorgia MLS closed sales within about 3 miles, last 18 months, as of October 20, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of Georgia MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 111 Saint Matthews Road and when was it built?

Per the listing record, 111 Saint Matthews Road was built in 2006 and has 2,644 sq ft of living area, 4 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 111 Saint Matthews Road in?

111 Saint Matthews Road is in St. Matthews Place in Guyton, Effingham County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

How are property taxes on 111 Saint Matthews Road estimated?

The estimate on this page (about $4,568 per year) assumes the county reassesses at the list price. Georgia counties reassess after a sale and exemptions such as homestead must be applied for by the new owner, so the seller's current bill is not a guide. Confirm with the county tax assessor.

Is 111 Saint Matthews Road in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 111 Saint Matthews Road in person

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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Georgia MLS (GAMLS) Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Georgia MLS (GAMLS). © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.