145 Saint Annies Lane, St. Simons Island, GA 31522
Sources: ScoutMLS® (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 11, 2026, 145 Saint Annies Lane in Frederica Golf Club, St. Simons Island is listed at $3,920,000 (5,450 sq ft, about $719 per sq ft). That sits within a few percent of Frederica Golf Club's median closed sale of $3,750,000 over the last 12 months (13 recorded sales). It has been 194 days on market. Listing facts: built in 2022, waterfront, HOA dues of $483/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2022 · 4 yrs
- 5,450 sq ft of living area
- 3-car garage
- Listed at $3,920,000 — recent neighborhood median sale price ~$3,750,000 (nearby sales; deemed reliable, not an appraisal)
- 194 days on market
- HOA $483/mo (per listing)
About this home
Located in the Frederica Golf Community on the quiet north end of St. Simons Island, this exceptional custom built home by Chris Carter offers rare privacy, BREATHTAKING WESTERN MARSH VIEWS and timeless coastal elegance all situated on 2.25 acres beneath towering, mature live oaks. Designed for both entertaining and everyday comfort, this home features 5 bedrooms and 5.5 baths that includes a separate guest suite (above the three-car climate controlled garage) complete with an ensuite bathroom, spacious walk-in closet and built-in trundle beds----great for guests, a private office, or a bonus living space.
Refined craftsmanship is showcased throughout the entire home, including exposed pecky cypress beams in the office, primary suite, and main living area, pecky cypress book shelves in the family room and office and wide-plank hardwood floors through out. The gourmet kitchen is a chef’s dream with a large Sub-Zero refrigerator, two dishwashers, Wolf commercial-grade range, double ovens, Wolf microwave, wine cooler, and a spacious walk-in pantry. In addition, there is a large laundry room with an abundant amount of custom cabinets.
Located on the first floor is a large primary suite that features exposed pecky cypress beams, his-and-her walk-in closets with custom built-ins, a spacious bathroom with double vanities, a large walk-in shower, and a soaking tub for ultimate relaxation. Also on the first floor is an office with a vaulted ceiling complemented by pecky cypress beams and a wall of pecky cypress built-in bookshelves. Outdoor living is equally impressive with two spacious porches, a marsh-view fire pit, outdoor shower and hot tub and creating a truly private Lowcountry oasis.
All 82 photos
Description provided by Georgia Coast Realty 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 $21,713/mo 81%
- Taxes $3,430/mo 13%
- Insurance $1,139/mo 4%
- HOA $483/mo 2%
$26,765/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 Frederica Golf Club market
How this home is priced against recent nearby sales, and where Frederica Golf Club 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 Frederica Golf Club
Each dot is a closed sale since 2010 (99 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, 2014–2026. This home lists at $719/sq ft.
Median sale price by year
12-month median closed price, 2014–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2015–2026. Now 54 (normal).
This home’s history
- 2022BuiltPer public record
- About Mar 2026Listed (per MLS)MLS reports 194 cumulative days on market as of October 11, 2026
- Aug 31, 2026First seen on movewithmomentum.comObserved at $3,920,000
- 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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in Frederica Golf Club 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: $3,750,000 ($692/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 in Frederica Golf Club, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $3,920,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 7% 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 — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- 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 $483/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: 194 days on market vs. a 143-day community median
- 9 active listings competing, 2 under contract
- ≈7.4 months of supply
- 13 closed here in the last 12 months
For reference, this home is listed at $3,920,000 ($719/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: 5,450 sq ft × $692–$737/sq ft (interquartile band of 6 comparable closed sales in Frederica Golf Club, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 11, 2026.
Momentum Property Score
43/100 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.
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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 7.4 months of supply in the surrounding market and 194 days on market for this home, against a 143-day area median.Days on market:this home 194Area median: 143 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 $719 per square foot, about 4% above the community’s $692 median. Frederica Golf Club’s 12-month median sold price per square foot is $692. Median sold price per square foot is up 4.9% year over year. Confidence: Medium · 13 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 Frederica Golf Club sales closed near 93.9% 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: a golf-course community, one of only 8 active listings in Frederica Golf Club, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Georgia Coast Realty · MLS # 1660877
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More on Frederica Golf Club
Go deeper on Frederica Golf Club
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 145 Saint Annies Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $483/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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 5,450 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 $41,160/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 11, 2026) |
| Comparable sales | ScoutMLS® closed sales in Frederica Golf Club, 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 145 Saint Annies Lane and when was it built?
Per the listing record, 145 Saint Annies Lane was built in 2022 and has 5,450 sq ft of living area, 5 bedrooms and 5.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 145 Saint Annies Lane in?
145 Saint Annies Lane is in Frederica Golf Club in St. Simons Island, Glynn County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 145 Saint Annies Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $483 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 145 Saint Annies Lane estimated?
The estimate on this page (about $41,160 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 145 Saint Annies 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 145 Saint Annies 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.
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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.