345 days on market (MLS)Single Family Residence▼ Price cut: $30,000 (9/30)
$649,900
3-Bedroom Home in Cumberland Harbour
110 Clubhouse Circle, St. Marys, GA 31558
Single Family Residence in Cumberland Harbour, St. Marys · No CDD on record · Built 2025
Cumberland Harbour · St. Marys, GA 31558 · Camden County
Listing data updated October 10, 2026 at 5:18 AM ET · checked against the MLS hourly
3Bedrooms
2.5Bathrooms
2,384Sq Ft
2025Year Built
$273Per Sq Ft
2-car garageNew constructionNo CDD on record
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.
8% below
$/sq ft vs community
$273 here vs $296 median sold (12 mo)
Buyer leverage
Strong buyer advantage
345 days on market
6.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$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 $650k tops 11 of the last 12 closed sales; also one of the largest homes here at 2,384 sq ft
As of October 10, 2026, 110 Clubhouse Circle in Cumberland Harbour, St. Marys is listed at $649,900 (2,384 sq ft, about $273 per sq ft). That sits within a few percent of Cumberland Harbour's median closed sale of $616,700 over the last 12 months (16 recorded sales). It has been 345 days on market, longer than the community's typical 148 days to contract. Listing facts: new construction, HOA dues of $189/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2025
2,384 sq ft of living area
2-car garage
Listed at $649,900 — recent neighborhood median sale price ~$616,700 (nearby sales; deemed reliable, not an appraisal)
345 days on market
HOA $189/mo (per listing)
Listing description
About this home
Welcome to this beautiful 3-bedroom, 2.5-bathroom NEW CONSTRUCTION home in the sought-after gated community of Cumberland Harbour! With extensive upgrades throughout, this very spacious, southern living-inspired floor plan offers a welcoming presence the moment you enter! Step inside the large great room with gorgeous hardwood floors, a vaulted ceiling, a stacked brick fireplace, and a wall of windows capturing the natural light.
The open-concept floor plan encompasses the great room, kitchen, and dining areas, providing ideal spaces for dining and entertaining with family and friends. The primary suite on the main level serves as a luxurious retreat with a generous walk-in closet and a spa-like bath with dual vanities, a separate soaking tub, and a glass-enclosed shower. The great room opens to a large, screened-in, covered rear patio overlooking a beautifully landscaped, private backyard with a wooded common area beyond.
Located in an ideal setting with views of the community lake in front, natural wooded common area behind the house, and a very short walk to the community amenities, including the clubhouse, swimming pool, tennis courts, fitness center, and walking trails. Come and enjoy all this NEW CONSTRUCTION home has to offer in highly desirable Cumberland Harbour! Please call for more information or to schedule a tour of the home at your convenience!
All 46 photos
Description provided by Berkshire Hathaway HomeServices RPA Realty and reproduced from the MLS; not independently verified.
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$649,900
Bed / bath3 / 2.5
Living area2,384 sq ft
Year built2025
Property typeSingle Family Residence
Garage2-car
MLS #1657645
Listing status345 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~12 ft
CountyCamden
Area listings8 active · 0 under contract
Estimated first-year tax~$6,824/yr
CDD assessmentNone on record
HOA$189/mo
Calculated estimates
Price per sq ft$273
Estimated monthly payment$4,533
Insurance (illustrative)$2k–$3k/yr
Messtimate range$686,592 – $839,168
Comparable-sales median$616,700
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
$4,533/mo
Principal & interest $3,600/mo79%
Taxes $569/mo13%
Insurance $175/mo4%
HOA $189/mo4%
$4,533/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
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.)
~$6,824/yr
Estimate: a typical Camden 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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$189/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~12 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 Camden 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 floodingRelatively Moderate
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Low
LightningRelatively Low
Strong windRelatively Low
HailVery Low
Cold waveVery 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 · Cumberland Harbour
Pricing & the Cumberland Harbour market
How this home is priced against recent nearby sales, and where Cumberland Harbour has been over 25 years. Momentum Research analysis of ScoutMLS® 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 vs. size in Cumberland Harbour
Each dot is a closed sale since 2013 (47 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, 2021–2026. This home lists at $273/sq ft.
Median sale price by year
12-month median closed price, 2021–2026.
Property timeline
This home’s history
2025BuiltPer public record
About Oct 2025Listed (per MLS)MLS reports 345 cumulative days on market as of October 10, 2026
Aug 31, 2026First seen on movewithmomentum.comObserved at $679,900
Sep 30, 2026Price cut$649,900 (-$30,000, -4.4%)
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 $649,900Momentum Realty · on market 345 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 in Cumberland Harbour 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.
Sold Jan 2026
$625,000
106 Doubloon Court, St. Marys
3 / 2.5 bd/ba · 2,168 sq ft · $288/sq ft
Courtesy of St Marys Realty Inc Island Si · View details →
Sold Jan 2026
$625,000
106 Doubloon Court, St. Marys
3 / 2.5 bd/ba · 2,168 sq ft · $288/sq ft
Courtesy of St Marys Realty Inc Island Si · View details →
Median of these 6 sales: $616,700 ($296/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
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.
$686,592the mess$839,168
Stronger local evidence — 6 comparable closed sales in Cumberland Harbour, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $649,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 22% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $189/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 345 days on market vs. a 148-day community median
10 active listings competing
≈6.9 months of supply
14 closed here in the last 12 months
For reference, this home is listed at $649,900 ($273/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,384 sq ft × $288–$352/sq ft (interquartile band of 6 comparable closed sales in Cumberland Harbour, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 10, 2026.
Momentum Scores
Momentum Property Score
47/100
Strongest on: Price vs area (69), Pricing power (58)
0 limited50100 exceptional
47/100 is below average 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 area69
This home $273/sq ft vs the community 12-month median $296/sq ft.
Affordability41
List price $649,900 vs the community median $616,700. Not a measure of personal affordability.
Market liquidity19
Community median 148 days on market, ~6.9 months of supply (12-month record).
Pricing power58
Recent sales closed at about 96.5% of original asking (~3.5% below). More room below asking generally favors buyers.
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
🟢 Buyer-leaning conditions around this listing. 6.9 months of supply in the surrounding market and 345 days on market for this home, against a 148-day area median.Days on market:this home 345Area median: 148 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 provided by ScoutMLS® (Golden Isles Association of REALTORS®). The data is deemed reliable but is not guaranteed to be accurate by ScoutMLS. As of September 20, 2026.
🟡 Asking $273 per square foot, about 8% below the community’s $296 median. Cumberland Harbour’s 12-month median sold price per square foot is $296. Median sold price per square foot is down 8.9% year over year. Confidence: Medium · 16 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 Cumberland Harbour sales closed near 96.5% 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 8 active listings in Cumberland Harbour, no CDD assessment.
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Sep 2026 · Development
Nassau review committee considers up to 350 lots in Wildlight southern planning area
At its Sept. 1 meeting the Development Review Committee reviewed a residential plan for up to 350 single-family lots south of State Road 200 and west of Liberty Cove, in two phases. The committee also reviewed a 167-lot Liberty Cove Phase 2 plat and a Wild Acres Trail extension to a future county park entrance. A comprehensive plan amendment was expected before commissioners around Sept. 14.
Why it matters: Added lots near the SR 200 corridor increase future housing supply in Yulee and Fernandina Beach commuting areas. The site is about 5 miles southwest of Cumberland Harbour.
Wildlight subdivision advances in Yulee as the master-planned community expands
Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.
Why it matters: Ongoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The site is about 10 miles southwest of Cumberland Harbour.
First Wildlight Commerce Park speculative building opens in Yulee
The first speculative building at Wildlight Commerce Park opened in March 2026, adding move-in-ready industrial and flex space to Rayonier's Wildlight community in Nassau County near Interstate 95 and A1A.
Why it matters: New employment and commerce space at Wildlight strengthens the live-and-work profile of the Interstate 95 and A1A area in Nassau County, a factor that can support nearby residential demand. The site is about 10 miles southwest of Cumberland Harbour.
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.
Schools currently assigned to this address in Camden 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.
St. Marys ElementaryAssigned elementary school · Camden County School District
St. Marys Middle SchoolAssigned middle school · Camden County School District
Camden CountyAssigned high school · Camden County School District
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 110 Clubhouse Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $189/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 Camden County; age of roof and any prior claims affect the premium.
Listed living area is 2,384 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 $6,824/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 record
ScoutMLS®, checked against the MLS hourly (last: October 10, 2026)
Comparable sales
ScoutMLS® closed sales in Cumberland Harbour, last 18 months, as of September 20, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
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.
Answered before you ask
Frequently asked questions
How big is 110 Clubhouse Circle and when was it built?
Per the listing record, 110 Clubhouse Circle was built in 2025 and has 2,384 sq ft of living area, 3 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 110 Clubhouse Circle in?
110 Clubhouse Circle is in Cumberland Harbour in St. Marys, Camden County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 110 Clubhouse Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $189 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
How are property taxes on 110 Clubhouse Circle estimated?
The estimate on this page (about $6,824 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 110 Clubhouse Circle 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.
Ready when you are
See 110 Clubhouse Circle 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.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
