Active Single Family Residence
$1,550,000
4-Bedroom Home in East Beach

4316 1st Street, St. Simons Island, GA 31522

Single Family Residence in East Beach, St. Simons Island · No CDD on record
East Beach · St. Simons Island, GA 31522 · Glynn County
Listing data updated October 22, 2026 at 1:37 PM ET · checked against the MLS hourly
4Bedrooms
3Bathrooms
2,288Sq Ft
1924Year Built
$677Per Sq Ft
2-car garageNo CDD on record4 bedrooms
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.
294% above
$/sq ft vs community
$677 here vs $172 median sold (12 mo)
$7k–$14k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 9 of 12
Price vs recent sales
Asking $1.55M tops 9 of the last 12 closed sales; also one of the largest homes here at 2,288 sq ft

Sources: ScoutMLS® (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

4316 1st Street in East Beach, St. Simons Island is listed at $1,550,000 (2,288 sq ft, about $677 per sq ft). That is 771% above East Beach'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 294%. It came to market within the past week. Listing facts: built in 1924, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1924 · 102 yrs
  • 2,288 sq ft of living area
  • 2-car garage
  • Listed at $1,550,000 — recent neighborhood median sale price ~$178,000 (nearby sales; deemed reliable, not an appraisal)
  • Active listing
  • No HOA reported by the listing (confirm)
Listing description

About this home

Some homes have a way of making everyone feel welcome, and Heron House is one of them. Built in the 1920s in the Village, this treasured St. Simons cottage was saved from demolition and moved to East Beach in 1999, when it was placed on a foundation, renovated, and enlarged.

While named Heron House, it is affectionately referred to as the "House of Blessings" by many who have stayed or lived here—a reflection of the love, joy, and blessings of the Lord shared under its roof. Nestled among established landscaping on a historic double lot, this happy home invites you to slow down and enjoy island life. Across from the marsh, it enjoys natural views and opportunities to watch coastal birds and wildlife.

Gather over morning coffee on the breezy screened porch, where the leafy surroundings feel like a private treehouse, or spend an evening together by the living room fireplace. The welcoming dining area and kitchen with an island offer space for meals and conversation. Two bedrooms with en suite bathrooms are on the main living level, while two additional bedrooms and a shared bath upstairs provide room for family and friends.

A second screened porch offers marsh views, and an enclosed outdoor shower welcomes you home after a day at the beach. Generous parking includes alley access along one side leading to covered parking beneath the house and guest parking in front of house. The spacious, fenced side yard offers room to relax and play, with potential for a pool, subject to applicable approvals.

A survey, elevation certificate and pool estimates are available. Ideally situated by the beautifully restored Coast Guard Station and the East Beach entrance, Heron House puts beach days and island history close to your doorstep. A rental in its earlier years and a full-time residence since approximately 2010, this special gathering place is ready to welcome its next owners and the memories they will make.

The property's historic double-lot configuration may permit restoration into two separate lots.

All 31 photos

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Description provided by Banker Real Estate and reproduced from the MLS; not independently verified.

Listing courtesy of Banker Real Estate · Listing agent: Michael Banker, LLC · 912-638-1808Provided 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.
Property facts & sources

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

List price$1,550,000
Bed / bath4 / 3
Living area2,288 sq ft
Year built1924
Property typeSingle Family Residence
Garage2-car
MLS #2003162
Listing statusActive

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
CountyGlynn
Area listings90 active · 23 under contract
Estimated first-year tax~$16,275/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$677
Estimated monthly payment$10,783
Insurance (illustrative)$7k–$14k/yr
Comparable-sales median$178,000

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

$10,783/mo
  • Principal & interest $8,586/mo 80%
  • Taxes $1,356/mo 13%
  • Insurance $841/mo 8%

$10,783/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.

Estimated ownership costs

Estimated costs & disclosures

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.)
~$16,275/yr

Estimate: a typical Glynn 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)
$7k–$14k/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
None reported

The listing reports no HOA. Confirm with the county record that no mandatory association applies.

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
Not on record

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 Glynn County, GA: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively Low
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Low
LightningRelatively Moderate
Strong windRelatively Moderate
DroughtVery Low
HailRelatively Low
Cold waveRelatively Moderate
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 · Glynn County

Pricing & the Glynn County market

How this home is priced against recent nearby sales, and where Glynn County 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 per sq ft · this home vs. recent nearby sales1901 Bruce Drive1901 Bruce Drive: $556/sq ft$556This homeThis home: $677/sq ft$6774332 Fourteenth Street4332 Fourteenth Street: $694/sq ft$6944315 5th Street4315 5th Street: $748/sq ft$7482033 Bruce Drive2033 Bruce Drive: $1404/sq ft$1404Community median $172

Price vs. size in Glynn County

Each dot is a closed sale since 2004 (168 total). This home is the gold marker.

$0$820k$1.6M9231,6442,365This home: $1,550,000, 2,288 sq ftThis homeSale price

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 $677/sq ft.

$48$116$1852012: $6420122013: $612014: $6420142015: $722017: $8420172018: $992019: $10120192020: $1092021: $13220212022: $1522023: $16520232024: $1612025: $16020252026: $1722026

Median sale price by year

12-month median closed price, 2012–2026.

$54k$125k$196k2012: $71k20122013: $68k2014: $70k20142015: $81k2017: $92k20172018: $109k2019: $114k20192020: $130k2021: $150k20212022: $167k2023: $179k20232024: $179k2025: $182k20252026: $178k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 20 (cold).

1446782013: 3620132014: 232015: 5520152018: 592019: 6520192020: 482021: 5920212022: 692023: 7220232024: 412025: 3820252026: 202026
Property timeline

This home’s history

  • 1924BuiltPer public record
  • Oct 22, 2026First seen on movewithmomentum.comObserved at $1,550,000
  • 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.

Transparency

Price & listing history

Listed for $1,550,000Momentum Realty
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

4 closed sales in East Beach 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 4 sales: $178,000 ($172/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

Momentum Scores

Momentum Property Score

36/100
Strongest on: Market timing (80), Pricing power (72)
0 limited50100 exceptional

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.

Price vs area0
This home $677/sq ft vs the community 12-month median $172/sq ft.
Affordability0
List price $1,550,000 vs the community median $178,000. Not a measure of personal affordability.
Market liquidity27
Community median 91 days on market (12-month record).
Pricing power72
Recent sales closed at about 93.7% of original asking (~6.3% below). More room below asking generally favors buyers.
Market timing80
Momentum Market Heat is 20/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.

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.

Momentum Research

The Momentum read

🟡 Asking $677 per square foot, about 294% above the community’s $172 median. Glynn County’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 Glynn County 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 Glynn County, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 22, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Banker Real Estate · MLS # 2003162

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Keep looking

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Assigned schools

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.

St. SimonsAssigned elementary school · Glynn County School District
Glynn Middle SchoolAssigned middle school · Glynn County School District
Glynn AcademyAssigned high school · Glynn County School District
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

City
St. Simons Island

Groceries, dining, and parks for this city — see the city guide.

View →
County
Glynn

Schools, taxes, and services are county-administered — see the county guide.

Community
East Beach

Amenities and HOA/CDD detail on the neighborhood guide.

Before you decide

Buyer research checklist

Items worth confirming for 4316 1st Street, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1924 (102 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.
  • Listed living area is 2,288 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 $16,275/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 recordScoutMLS®, checked against the MLS hourly (last: October 22, 2026)
Comparable salesScoutMLS® closed sales in East Beach, last 18 months, as of September 20, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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 4316 1st Street and when was it built?

Per the listing record, 4316 1st Street was built in 1924 and has 2,288 sq ft of living area, 4 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 4316 1st Street in?

4316 1st Street is in East Beach in St. Simons Island, Glynn County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 4316 1st 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 4316 1st Street estimated?

The estimate on this page (about $16,275 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 4316 1st 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.

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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.