104 Sapelo Street, St. Simons Island, GA 31522
Sources: ScoutMLS® (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 21, 2026, 104 Sapelo Street in Riverview, St. Simons Island is listed at $845,000 (2,650 sq ft, about $319 per sq ft). That is 375% above Riverview's median closed sale of $178,000 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $172/sq ft by about 85%. It has been 82 days on market. Listing facts: built in 1996, a private pool, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1996 · 30 yrs
- 2,650 sq ft of living area
- 2-car garage
- 82 days on market
- HOA ~$50/mo (estimate; confirm)
Pricing & the Moss Creek Villas market
How this home is priced against recent nearby sales, and where Moss Creek Villas has been over 25 years. Momentum Research analysis of ScoutMLS® records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Moss Creek Villas
Each dot is a closed sale since 2004 (168 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). ScoutMLS® closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $319/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 20 (cold).
This home’s history
- 1996BuiltPer public record
- Aug 31, 2026First trackedObserved at $845,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $4,475/mo 79%
- Taxes $739/mo 13%
- Insurance $399/mo 7%
- HOA $50/mo 1%
$5,663/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
36/100 is limited 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $319 per square foot, about 85% above the community’s $172 median. Moss Creek Villas’s 12-month median sold price per square foot is $172. Median sold price per square foot is down 2.5% year over year. Confidence: Low · 3 closed sales in 12 monthsMLS facts: ScoutMLS® closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Moss Creek Villas sales closed near 93.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of ScoutMLS® records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 90 active listings in Moss Creek Villas, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Looking for space, flexibility and exceptional parking with a work shop on Saint Simons Island all within walking distance to restaurants and shopping and with above ground salt water pool? 104 Sapelo offers more then 2500 feet of living space with 5 bedrooms and 3 bathrooms, providing room for guest, a home office, multigenerational living or simply room to spread out. Wood Floors, stainless steel appliances, fresh interior finishes make this home comfortable and inviting.
The second floor was added much later after the first floor so there is more square footage then public records shows. The living area is unusually large and this home offers a welcoming floor plan of inviting coastal living. The spacious interior features fresh paint and would be a good short term rental property.
If the traditional island cottage style appeals to you then this is the home that has everything from tabby details, new metal roof, large wood decks in great condition and porches on front and back, gardens with a fountain and brick walk ways that are perfect for relaxing or entertaining after a day at the beach. It doesn't stop there with the exceptional parking and storage and gated paved driveway with space for multiple vehicles, a work shop area and parking for your boat or recreational vehicle. The updates include an abundance of natural light creating a warm move in ready home designed for comfortable everyday living and effortless entertaining.
The living area opens to the kitchen and flows in to generous living spaces perfect for gathering with family and friends. There is a breakfast bar with mini fridge and large laundry room with shelves for pantry items. This all leads to a large outdoor open deck looking down on the saltwater pool which has a separate deck sitting area.
The primary bedroom, bath and walk in closet are located on the first floor along with two more bedrooms for a total of three first floor bedrooms. There are multiple flexible rooms providing room for guests, a home office, fitness space or hobbies. Step outside and discover your own private backyard oasis.
Surrounded by mature landscaping the beautiful garden showcases a tranquil fountain, greenery, trellis, brick walking path, compost area and above ground pool ideal for cooling off on a warm Georgia afternoon. The front deck spans the width of the house and multi level rear deck extends your living space to the outdoors creating inviting areas to relax, dine or entertain. The motorized double gated entrance and paved driveway provides ample parking for multiple vehicles.
There is no HOA or any restrictions. The oversized garage offers covered space for up to four cars along with a separate workshop for projects and additional storage. Located just minutes from St Simons Islands beaches, and walking distance to restaurants, shopping,golf, marinas and top rated schools this property offers the perfect blend of space, privacy, and coastal lifestyle.
This home truly is a hidden gem and the family members have beautiful memories about the neighborhood which has been a well kept secret for so many years with its oak trees and long time home owners. Whether you're searching for a primary residence, a second home, or an island retreat this exceptional property is ready to welcome you.
All 46 photos
Description provided by Keller Williams Realty Golden Isles and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the ScoutMLS® Internet Data Exchange (Golden Isles Association of REALTORS®) · Source: ScoutMLS® · © 2026 The Golden Isles Multiple Listing Service, Inc. · 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.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $845,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1996 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
- The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 82 days on market vs. a 91-day community median
- 90 active listings competing, 22 under contract
For reference, this home is listed at $845,000 ($319/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,650 sq ft × $151–$193/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 21, 2026.
Similar homes for sale near Riverview
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 Riverview
- 113 Breckenridge Drive · $354,500 · 4 bd / 2.5 ba · listed September 19, 2026 (courtesy of Crossway Realty)
- 12 Holly Court · $454,900 · 4 bd / 2.0 ba · listed September 17, 2026 (courtesy of Driggers Realty)
- 240 Hammersmith Landing · $354,990 · 4 bd / 2.5 ba · listed September 17, 2026 (courtesy of DR Horton Realty of Georgia)
- 238 Hammersmith Landing · $346,990 · 3 bd / 2.5 ba · listed September 17, 2026 (courtesy of DR Horton Realty of Georgia)
- 242 Hammersmith Landing · $367,590 · 4 bd / 2.5 ba · listed September 17, 2026 (courtesy of DR Horton Realty of Georgia)
- 211 Hammersmith Landing · $329,440 · 4 bd / 2.0 ba · listed September 17, 2026 (courtesy of DR Horton Realty of Georgia)
Recently off market in Riverview
- 465 Old Brookman Road · last listed $749,900 · 2026-09-19
- 223 Suburban Drive · last listed $89,000 · 2026-09-19
- 3120 Willow Avenue · last listed $339,000 · 2026-09-16
- 1500 Wood Avenue · last listed $750,000 · 2026-09-16
- 105 Riverview Drive · last listed $1,350,000 · 2026-09-15
- 1709 Reynolds Street · last listed $615,888 · 2026-09-12
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 104 Sapelo Street?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by Keller Williams Realty Golden Isles · MLS # 2000977
Request a showing
Recent sales activity in Riverview
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Riverview neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Riverview
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
Schools currently assigned to this address in Glynn 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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 104 Sapelo Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1996 (30 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Glynn County; age of roof and any prior claims affect the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 2,650 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 $8,872/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.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | ScoutMLS®, refreshed twice daily (last: September 21, 2026) |
| Community market stats | ScoutMLS® closed sales, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of ScoutMLS® records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 104 Sapelo Street and when was it built?
Per the listing record, 104 Sapelo Street was built in 1996 and has 2,650 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 104 Sapelo Street in?
104 Sapelo Street is in Riverview in St. Simons Island, Glynn County. The community section on this page shows recent closed sales, days on market, and active inventory for Riverview from the same MLS data.
Does 104 Sapelo Street have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
How are property taxes on 104 Sapelo Street estimated?
The estimate on this page (about $8,872 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 104 Sapelo Street in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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.
See 104 Sapelo Street in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
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 a typical county millage rate to the list price 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 ScoutMLS® Internet Data Exchange (Golden Isles Association of REALTORS®). 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: ScoutMLS®. © 2026 The Golden Isles Multiple Listing Service, Inc. 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.