listed Oct 6, 2026 Single Family Residence
$675,000
3-Bedroom Home in Osprey Cove

601 Goldenrod Way, St. Marys, GA 31558

Single Family Residence in Osprey Cove, St. Marys · No CDD on record
Osprey Cove · St. Marys, GA 31558 · Camden County
Listing data checked against the MLS October 26, 2026 at 8:36 PM ET · rechecked hourly
3Bedrooms
2.5Bathrooms
2,673Sq Ft
1998Year Built
$253Per Sq Ft
3-car garageNo CDD on recordFEMA Zone X
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.
17% above
$/sq ft vs community
$253 here vs $217 median sold (12 mo)
Buyer leverage
Balanced market
19 days on market
6.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~11 ft elevation
$2k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 10 of 12
Price vs recent sales
Asking $675k tops 10 of the last 12 closed sales

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

Highlights

601 Goldenrod Way in Osprey Cove, St. Marys is listed at $675,000 (2,673 sq ft, about $253 per sq ft). That is 35% above Osprey Cove's median closed sale of $499,000 over the last 12 months (37 recorded sales). Per square foot it is above the community's recent $217/sq ft by about 17%. It has been listed Oct 6, 2026, well inside the community's typical 91 days. Listing facts: built in 1998, HOA dues of $153/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1998 · 28 yrs
  • 2,673 sq ft of living area
  • 3-car garage
  • Listed at $675,000 — recent neighborhood median sale price ~$499,000 (nearby sales; deemed reliable, not an appraisal)
  • listed Oct 6, 2026
  • HOA $153/mo (per listing)
Listing description

About this home

Welcome to this beautifully maintained home in the prestigious gated community of Osprey Cove, located in the coastal town of St. Marys, Georgia. Situated on a large corner lot with lush landscaping, this impressive home offers 3 bedrooms, 2.5 baths, PLUS A DEDICATED OFFICE, along with multiple living spaces including a formal dining room, living room, and family room.

Upon entering, you are greeted by soaring 18-foot ceilings and abundant natural light. The spacious family room features a gas fireplace, floor-to-ceiling built-ins, and oversized windows overlooking the screened lanai and serene backyard. The well-appointed kitchen is designed for both functionality and style, offering black stainless-steel appliances, a gas range, deep composite sink, wine fridge, walk-in pantry, and ample cabinet space.

The MASSIVE primary suite is truly an owner's retreat, featuring a spacious bedroom with double tray ceilings, a sitting area, and a luxurious en-suite bath complete with a walk-in tiled shower, jacuzzi soaking tub, double vanities, and a custom-designed walk-in closet. The split-bedroom floor plan includes two additional bedrooms connected by a convenient Jack-and-Jill bathroom, providing privacy and comfort for family or guests. This meticulously maintained home includes numerous upgrades and improvements, such as custom closets in the primary suite and pantry, granite countertops, new interior paint throughout, insulated garage doors, gutters, a 50-amp generator hook-up, central vacuum.

Step outside to the private backyard and screened-in lanai, where a beautiful waterfall creates a peaceful backyard oasis surrounded by beautiful landscaping-perfect for relaxing or entertaining. Additional features include a 3-car garage, walk-up attic storage, and a fully fenced backyard. Residents of Osprey Cove have the option to join the private golf club, which offers dining, golf, and recreational amenities.

Located in the highly sought-after Osprey Cove community, this home combines luxury, privacy, and coastal living just minutes from shopping, dining, and the historic waterfront of St. Marys, Georgia.

All 57 photos

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Description provided by eXp Realty, LLC and reproduced from the MLS; not independently verified.

Listing courtesy of eXp Realty, LLC · Listing agent: Ginny O'Quinn · 888-959-9461Provided 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$675,000
Bed / bath3 / 2.5
Living area2,673 sq ft
Year built1998
Property typeSingle Family Residence
Garage3-car
MLS #2002921
Listing statuslisted Oct 6, 2026

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~11 ft
CountyCamden
Area listings20 active · 8 under contract
Estimated first-year tax~$7,088/yr
CDD assessmentNone on record
HOA$153/mo

Calculated estimates

Price per sq ft$253
Estimated monthly payment$4,763
Insurance (illustrative)$2k–$6k/yr
Messtimate range$681,615 – $820,611
Comparable-sales median$499,000

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

$4,763/mo
  • Principal & interest $3,709/mo 78%
  • Taxes $591/mo 12%
  • Insurance $310/mo 6%
  • HOA $153/mo 3%

$4,763/mo at 20% down, 30-yr @ 7.32% · 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.)
~$7,088/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–$6k/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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$153/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
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~11 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 · Osprey Cove

Pricing & the Osprey Cove market

How this home is priced against recent nearby sales, and where Osprey Cove 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 salesThis homeThis home: $253/sq ft$2535 Sandhill Crane Drive5 Sandhill Crane Drive: $255/sq ft$2555 Sandhill Crane Drive5 Sandhill Crane Drive: $255/sq ft$2552211 Isles Of Saint Mary…2211 Isles Of Saint Marys Way: $280/sq ft$2802211 Isles Of Saint Mary…2211 Isles Of Saint Marys Way: $280/sq ft$2802131 Isles Of Saint Mary…2131 Isles Of Saint Marys Way: $307/sq ft$3072131 Isles Of Saint Mary…2131 Isles Of Saint Marys Way: $307/sq ft$307Community median $217

Price vs. size in Osprey Cove

Each dot is a closed sale since 2010 (334 total). This home is the gold marker.

$0$768k$1.5M1,4373,2034,969This home: $675,000, 2,673 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 $253/sq ft.

$85$173$2612012: $10720122013: $1082014: $10220142015: $1072016: $12420162017: $1392018: $13520182019: $1402020: $13120202021: $1642022: $18620222023: $2052024: $21220242025: $2442026: $2172026

Median sale price by year

12-month median closed price, 2012–2026.

$209k$403k$596k2012: $280k20122013: $340k2014: $246k20142015: $287k2016: $302k20162017: $355k2018: $368k20182019: $369k2020: $350k20202021: $457k2022: $450k20222023: $518k2024: $538k20242025: $559k2026: $499k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 42 (normal).

747872013: 3620132014: 152015: 3720152016: 422017: 4620172018: 422019: 4220192020: 382021: 7920212022: 702023: 7720232024: 622025: 7020252026: 422026
Property timeline

This home’s history

  • 1998BuiltPer public record
  • About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-10-06" data-fmt="dom">listed Oct 6, 2026</span>)
  • Oct 6, 2026First seen on movewithmomentum.comObserved at $675,000
  • 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 $675,000Momentum Realty · listed Oct 6, 2026
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 Osprey Cove 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: $499,000 ($217/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

43/100
Strongest on: Flood safety (90), Insurance cost (67)
0 limited50100 exceptional

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.

Price vs area9
This home $253/sq ft vs the community 12-month median $217/sq ft.
Affordability0
List price $675,000 vs the community median $499,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~11 ft elevation. Verify the parcel with FEMA.
Insurance cost67
From FEMA Zone X and a 1998 build. Obtain a property-specific quote.
Market liquidity22
Community median 91 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.
Market timing58
Momentum Market Heat is 42/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 7 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

🟡 Balanced conditions around this listing. 6.9 months of supply in the surrounding market and 19 days on market for this home, against a 91-day area median.Days on market:this home 19Area median:  91 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 $253 per square foot, about 17% above the community’s $217 median. Osprey Cove’s 12-month median sold price per square foot is $217. Median sold price per square foot is down 10.7% year over year. Confidence: Very High · 37 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 Osprey Cove 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 20 active listings in Osprey Cove, no CDD assessment.

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

Checked against the MLS October 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by eXp Realty, LLC · MLS # 2002921

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Keep looking

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

  • 25 Sandhill Crane Drive · $745,000 · 4 bd / 4.0 ba · listed October 6, 2026 (courtesy of St Marys Realty Inc Island Si)
  • 404 The Strand · $619,000 · 4 bd / 3.5 ba · listed October 1, 2026 (courtesy of St Marys Realty Inc Island Si)
  • 238 Cardinal Circle · $420,000 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of St Marys Realty Inc Island Si)

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

Go deeper

More on Osprey Cove

Go deeper on Osprey Cove

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

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.

School zoningThis address is in the Camden County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Nearby & guides

City, county & community guides

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

Before you decide

Buyer research checklist

Items worth confirming for 601 Goldenrod Way, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1998 (28 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 $153/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • 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 2,673 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 $7,088/yr) assumes reassessment at the list price; confirm exemptions with the county tax assessor.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordScoutMLS®, checked against the MLS hourly (last: October 26, 2026)
Comparable salesScoutMLS® closed sales in Osprey Cove, last 18 months, as of September 20, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
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 601 Goldenrod Way and when was it built?

Per the listing record, 601 Goldenrod Way was built in 1998 and has 2,673 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 601 Goldenrod Way in?

601 Goldenrod Way is in Osprey Cove in St. Marys, Camden County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 601 Goldenrod Way have an HOA, and how much are the dues?

The listing reports HOA dues of $153 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 601 Goldenrod Way estimated?

The estimate on this page (about $7,088 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 601 Goldenrod Way in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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 jon@movewithmomentum.com 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.