124 Sea Palms Lane, St. Simons Island, GA 31522
Sources: ScoutMLS® (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 10, 2026, 124 Sea Palms Lane in Sea Palms North Cottages, St. Simons Island is listed at $989,000 (3,786 sq ft, about $261 per sq ft). That is 63% below Sea Palms North Cottages's median closed sale of $2,700,000 over the last 12 months (2 recorded sales). Per square foot it is below the community's recent $742/sq ft by about 65%. It has been 61 days on market. Listing facts: built in 2005, HOA dues of $54/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2005 · 21 yrs
- 3,786 sq ft of living area
- 2-car garage
- Listed at $989,000 — recent neighborhood median sale price ~$2,700,000 (nearby sales; deemed reliable, not an appraisal)
- 61 days on market
- HOA $54/mo (per listing)
About this home
$36K PRICE REDUCTION & a wonderful KITCHEN REFRESH!! SPACE, STYLE & PEACE OF MIND—ALL IN ONE MOVE-IN READY HOME! Do not miss this beautifully cared-for and extensively updated home in the gated community of Sea Palms North Cottages on mid-north St.
Simons Island. With 3,786 square feet, 4 bedrooms and 3.5 baths, this spacious home offers the room to live, work, entertain and relax. Numerous thoughtful updates throughout mean you can simply move in and enjoy the St.
Simons lifestyle from day one. The main level offers an inviting foyer with open staircase, beautiful hardwood flooring, and a comfortable living room anchored by a wood-burning fireplace and built-in bookcases. The living room flows naturally into the updated kitchen and breakfast area, creating an easy gathering space for everyday living and entertaining.
A formal dining room and flexible office space provide additional versatility. A screened back porch extends the living space outdoors, while the private fenced backyard creates a wonderful setting for relaxing around the fire pit, unwinding in the hot tub or enjoying time with family and friends. The primary suite is a true retreat, featuring new wood flooring and an updated en-suite bath with new cabinetry, countertops, lighting and plumbing fixtures.
Upstairs, three additional bedrooms and two full baths provide plenty of room for family, guests or hobbies. The bathrooms have been refreshed with new countertops, plumbing and lighting fixtures. New engineered flooring and plantation shutters throughout the home, elevate the experience.
The home also boasts a dedicated home theater. The theater features new carpeting, tiered seating, comfortable recliners, a 100-inch television and audio-visual equipment that convey with the home—perfect for movie nights or watching the big game! And when it's time to get outside, the island lifestyle is right at your doorstep.
Hop on your bike or head out for a walk or jog on the trails just outside the gated neighborhood, making it easy to enjoy the natural beauty and active lifestyle St. Simons Island is known for. Extensively updated, exceptionally spacious, thoughtfully maintained and truly move-in ready, this home offers the rare opportunity to enjoy a substantial St.
Simons Island residence without taking on a long list of projects. Come see how easy island living can be in Sea Palms North Cottages. See complete list of updates and features in documents.
Homeowners insurance approximately $333 per month ($4000 per year)
All 56 photos
Description provided by BHHS Hodnett Cooper Real Estate and reproduced from the MLS; not independently verified.
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.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
Estimated monthly payment
- Principal & interest $5,478/mo 81%
- Taxes $865/mo 13%
- Insurance $405/mo 6%
- HOA $54/mo 1%
$6,802/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.
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.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Glynn County, GA: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Sea Palms North Cottages market
How this home is priced against recent nearby sales, and where Sea Palms North Cottages 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 Sea Palms North Cottages
Each dot is a closed sale since 2000 (91 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, 2012–2024. This home lists at $261/sq ft.
Median sale price by year
12-month median closed price, 2012–2024.
This home’s history
- 2005BuiltPer public record
- About Aug 2026Listed (per MLS)MLS reports 61 cumulative days on market as of October 10, 2026
- Aug 31, 2026First seen on movewithmomentum.comObserved at $1,075,000
- Sep 2, 2026Price cut$1,025,000 (-$50,000, -4.7%)
- Oct 5, 2026Price cut$989,000 (-$36,000, -3.5%)
- 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.
Price & listing history
Building permits
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: $2,700,000 ($742/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $989,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 133% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- 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 $54/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:
- 2 active listings competing, 1 under contract
- ≈18.0 months of supply
- 1 closed here in the last 12 months
For reference, this home is listed at $989,000 ($261/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,786 sq ft × $448–$1,046/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 10, 2026.
Momentum Property Score
78/100 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.
Coverage: 3 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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 18.0 months of supply in the surrounding market and 61 days on market for this home, against a 64-day area median.Days on market:this home 61Area median: 64 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 $261 per square foot, about 65% below the community’s $742 median. Sea Palms North Cottages’s 12-month median sold price per square foot is $742. Confidence: Low · 2 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.
What’s unique here: one of only 3 active listings in Sea Palms North Cottages, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by BHHS Hodnett Cooper Real Estate · MLS # 2001840
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Similar homes for sale near Sea Palms North Cottages
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.
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Recently off market in Sea Palms North Cottages
- 101 N Cottages Drive · last listed $719,900 · 2026-10-02
Just listed: new homes for sale in the Golden Isles in the last 48 hours · updated hourly · RSS · The Golden Isles market today: new listings, price cuts, pendings
More on Sea Palms North Cottages
Go deeper on Sea Palms North Cottages
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 →
City, county & community guides
Where this home sits, with links to the matching guides. 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 →Buyer research checklist
Items worth confirming for 124 Sea Palms Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2005 (21 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $54/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 Glynn County; age of roof and any prior claims affect the premium.
- Listed living area is 3,786 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 $10,384/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.
Data sources & freshness
| Listing record | ScoutMLS®, checked against the MLS hourly (last: October 10, 2026) |
| Comparable sales | ScoutMLS® closed sales within about 3 miles, 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.
Frequently asked questions
How big is 124 Sea Palms Lane and when was it built?
Per the listing record, 124 Sea Palms Lane was built in 2005 and has 3,786 sq ft of living area, 4 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 124 Sea Palms Lane in?
124 Sea Palms Lane is in Sea Palms North Cottages in St. Simons Island, Glynn County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 124 Sea Palms Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $54 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 124 Sea Palms Lane estimated?
The estimate on this page (about $10,384 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 124 Sea Palms Lane 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 124 Sea Palms Lane 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 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.