238 Cardinal Circle, St. Marys, GA 31558
As of October 1, 2026, 238 Cardinal Circle in Osprey Cove, St. Marys is listed at $420,000 (2,109 sq ft, about $199 per sq ft). It came to market within the past week. Listing facts: built in 1992, HOA dues of $145/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1992 · 34 yrs
- 2,109 sq ft of living area
- 2-car garage
- New to market
- HOA $145/mo (per listing)
About this home
Welcome to 238 Cardinal Circle West, a move-in-ready home ideally situated along the golf course in the desirable Osprey Cove community. Enjoy beautiful golf course views while still maintaining a sense of privacy in the backyard, offering the perfect balance of scenery and seclusion. Recently painted inside and out, this well-maintained home offers a spacious and functional split-bedroom floor plan.
The inviting living area features a fireplace, while the separate dining room provides plenty of space for entertaining. Two generously sized guest bedrooms are located on one side of the home, with the private primary suite thoughtfully positioned on the opposite side. The spacious kitchen offers abundant room for cooking and gathering, along with a comfortable breakfast and seating area overlooking the golf course, a wonderful spot to enjoy your morning coffee while taking in the view.
Located within Osprey Cove, one of St. Marys' premier gated golf communities, this home combines a peaceful golf course setting, privacy, and a move-in-ready interior. Conveniently located near shopping, dining, historic downtown St.
Marys, Kings Bay Naval Submarine Base, and easy access to I-95, Jacksonville, and the surrounding coastal area. 238 Cardinal Circle West offers the golf course lifestyle without sacrificing backyard privacy and is ready for its next owner to move right in and enjoy.
All 52 photos
Description provided by St Marys Realty Inc Island Si 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 $2,242/mo 76%
- Taxes $368/mo 12%
- Insurance $210/mo 7%
- HOA $145/mo 5%
$2,965/mo at 20% down, 30-yr @ 7.03% · 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 Camden County, GA: overall Relatively Low. 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 Victoria Landing market
How this home is priced against recent nearby sales, and where Victoria Landing 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 Victoria Landing
Each dot is a closed sale since 2020 (30 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, 2021–2025. This home lists at $199/sq ft.
Median sale price by year
12-month median closed price, 2021–2025.
This home’s history
- 1992BuiltPer public record
- About Sep 2026Listed (per MLS)MLS reports 1 cumulative days on market as of October 1, 2026
- Oct 1, 2026First seen on movewithmomentum.comObserved at $420,000
- 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
No closed sales of a similar home within about 10 miles in Camden County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Osprey Cove. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Camden County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 2,109 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 1, 2026.
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Listed by St Marys Realty Inc Island Si · MLS # 2002814
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Similar homes for sale near Osprey Cove
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 Osprey Cove
- 104 Holly Drive · $180,000 · 4 bd / 2.0 ba · listed September 30, 2026 (courtesy of Top REO Pros, Inc.)
- 121 Pelican Circle · $89,900 · 3 bd / 2.0 ba · listed September 24, 2026 (courtesy of Marsh Life Realty, LLC)
- 402 Teather Drive · $630,000 · 3 bd / 2.0 ba · listed September 24, 2026 (courtesy of Coldwell Banker Access Realty KGLD)
- 55 Billyville Road · $180,000 · 2 bd / 1.0 ba · listed September 23, 2026 (courtesy of Top REO Pros, Inc.)
- 528 Pelican Circle · $665,000 · 3 bd / 3.0 ba · listed September 21, 2026 (courtesy of St Marys Realty Inc Island Si)
- Lot 22 Berrie Bluffs Club Drive · $799,000 · 3 bd / 3.5 ba · listed September 19, 2026 (courtesy of Engel & Volkers Savannah)
Recently off market in Osprey Cove
- 170 Clarks Bluff Road · last listed $219,900 · 2026-09-30
- 208 Bartlett Street · last listed $585,000 · 2026-09-25
- 199 N Arizona Street · last listed $197,500 · 2026-09-25
- 106 Clarks Bluff Road · last listed $179,900 · 2026-09-24
- 6370 Dover Bluff Road · last listed $589,000 · 2026-09-16
- 207 Cypress Drive · last listed $289,900 · 2026-09-16
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
Assigned schools
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.
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.
Buyer research checklist
Items worth confirming for 238 Cardinal Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1992 (34 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 $145/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 2,109 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 $4,410/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®, refreshed hourly (last: October 1, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Camden County — no medians or automated estimate shown |
| 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 238 Cardinal Circle and when was it built?
Per the listing record, 238 Cardinal Circle was built in 1992 and has 2,109 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 238 Cardinal Circle in?
238 Cardinal Circle is in Osprey Cove in St. Marys, Camden County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 238 Cardinal Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $145 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 238 Cardinal Circle estimated?
The estimate on this page (about $4,410 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 238 Cardinal 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.
See 238 Cardinal Circle 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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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.