75 days on market (MLS) Single Family Residence HIGHLY MOTIVATED ▼ Price cut: $500 (9/25)
$418,400
5-Bedroom Home in Dunham Marsh

431 Sunbury Drive, Richmond Hill, GA 31324

Single Family Residence in Dunham Marsh, Richmond Hill · No CDD on record
Dunham Marsh · Richmond Hill, GA 31324 · Bryan County
Listing data updated October 18, 2026 at 10:11 AM ET · checked against the MLS hourly
5Bedrooms
3Bathrooms
2,820Sq Ft
2015Year Built
$148Per Sq Ft
GarageNo CDD on recordFEMA Zone X5 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.
19% below
$/sq ft vs community
$148 here vs $182 median sold (12 mo)
Buyer leverage
Buyer advantage
75 days on market
24.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~15 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 4 of 12
Price vs recent sales
Asking $418k tops 4 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 18, 2026, 431 Sunbury Drive in Dunham Marsh, Richmond Hill is listed at $418,400 (2,820 sq ft, about $148 per sq ft). It has been 75 days on market. Listing facts: built in 2015. 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 2015 · 11 yrs
  • 2,820 sq ft of living area
  • Garage
  • Listed at $418,400 — recent neighborhood median sale price ~$503,500 (nearby sales; deemed reliable, not an appraisal)
  • 75 days on market
Listing description

About this home

BUYER INCENTIVE** *Seller is offering a contribution toward a 2-1 rate buydown, to help reduce the buyer's monthly mortgage payments during the first two years of the loan.* This spacious 5-bedroom, 3-bath home in Dunham Marsh offers exceptional space, value, and a convenient Richmond Hill location. Featuring an open floor plan, kitchen with island and pantry, spacious primary suite, and fenced-in backyard. Enjoy community amenities including a pool, clubhouse, fitness center, playground, sidewalks, and streetlights.

Conveniently located near I-95, Fort Stewart, Hunter Army Airfield, shopping, dining, and Savannah. Still very competitively priced and offering excellent value, this is an opportunity you won't want to miss! *Buydown available to eligible buyers, subject to lender approval and program requirements, and applicable seller-contribution limits (Contact your lender for more details).*

All 37 photos

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Description provided by Coldwell Banker Southern Coast and reproduced from the MLS; not independently verified.

Listing courtesy of Coldwell Banker Southern Coast · Listing agent: Courtney L Smiley · 912-368-4300Provided 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$418,400
Bed / bath5 / 3
Living area2,820 sq ft
Year built2015
Property typeSingle Family Residence
GarageYes
MLS #10814872
Listing status75 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~15 ft
CountyBryan
Area listings2 active · 0 under contract
Estimated first-year tax~$4,393/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Price per sq ft$148
Estimated monthly payment$2,826
Insurance (illustrative)$1k–$2k/yr
Messtimate range$482,220 – $532,980
Comparable-sales median$503,500

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

$2,826/mo
  • Principal & interest $2,318/mo 82%
  • Taxes $366/mo 13%
  • Insurance $142/mo 5%

$2,826/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.)
~$4,393/yr

Estimate: a typical Bryan 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)
$1k–$2k/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
~15 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 Bryan County, GA: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Low
LightningRelatively Low
Strong windVery Low
DroughtVery Low
HailVery 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 · Dunham Marsh

Pricing & the Dunham Marsh market

How this home is priced against recent nearby sales, and where Dunham Marsh 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 salesThis homeThis home: $148/sq ft$14832 Roundstone Way32 Roundstone Way: $161/sq ft$161175 Beecher Drive175 Beecher Drive: $171/sq ft$171290 Kerry Drive290 Kerry Drive: $180/sq ft$180161 McCrady Drive161 McCrady Drive: $183/sq ft$183390 Wicklow Drive390 Wicklow Drive: $189/sq ft$189639 Chastain Circle639 Chastain Circle: $205/sq ft$205Community median $182
Property timeline

This home’s history

  • 2015BuiltPer public record
  • About Aug 2026Listed (per MLS)MLS reports 75 cumulative days on market as of October 18, 2026
  • Sep 2, 2026First seen on movewithmomentum.comObserved at $418,900
  • Sep 25, 2026Price cut$418,400 (-$500, -0.1%)
  • 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 $418,400Momentum Realty · on market 75 days
Public records

Building permits

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

Comparable recent sales

6 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 6 sales: $503,500 ($182/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

77/100
Strongest on: Price vs area (97), Flood safety (95)
0 limited50100 exceptional

77/100 is strong 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 area97
This home $148/sq ft vs the community 12-month median $182/sq ft.
Affordability78
List price $418,400 vs the community median $503,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~15 ft elevation. Verify the parcel with FEMA.
Insurance cost79
From FEMA Zone X and a 2015 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~24.0 months of supply (12-month record).

Coverage: 5 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

🟢 Buyer-leaning conditions around this listing. 24.0 months of supply in the surrounding market and 75 days on market for this home, against a 139-day area median.Days on market:this home 75Area median:  139 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data © 2026 Georgia MLS (GAMLS). Information is deemed reliable but is not guaranteed. As of September 20, 2026.

🟡 Asking $148 per square foot, about 19% below the community’s $182 median. Dunham Marsh’s 12-month median sold price per square foot is $182. 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: one of only 2 active listings in Dunham Marsh, no CDD assessment.

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

Updated October 18, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Coldwell Banker Southern Coast · MLS # 10814872

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Keep looking

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Go deeper

More on Dunham Marsh

Go deeper on Dunham Marsh

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Bryan 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.

Frances MeeksAssigned elementary school · Bryan County School District
Richmond HillAssigned middle school · Bryan County School District
Richmond HillAssigned high school · Bryan County School District
Nearby & guides

City, county & community guides

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

Before you decide

Buyer research checklist

Items worth confirming for 431 Sunbury Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2015: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
  • 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 Bryan County; age of roof and any prior claims affect the premium.
  • Listed living area is 2,820 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 $4,393/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 18, 2026)
Comparable salesGeorgia MLS closed sales within about 3 miles, last 18 months, as of September 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 431 Sunbury Drive and when was it built?

Per the listing record, 431 Sunbury Drive was built in 2015 and has 2,820 sq ft of living area, 5 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 431 Sunbury Drive in?

431 Sunbury Drive is in Dunham Marsh in Richmond Hill, Bryan County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

How are property taxes on 431 Sunbury Drive estimated?

The estimate on this page (about $4,393 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 431 Sunbury Drive 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.

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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.