11 days on market (MLS) Single Family Residence
$355,000
3-Bedroom Home in Victoria Landing

611 Victorias Circle, St. Marys, GA 31558

Single Family Residence in Victoria Landing, St. Marys · No CDD on record · Built 2022
Victoria Landing · St. Marys, GA 31558 · Camden County
Listing data updated October 13, 2026 at 6:40 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
1,885Sq Ft
2022Year Built
$188Per Sq Ft
2-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.
8% below
$/sq ft vs community
$188 here vs $205 median sold (12 mo)
Buyer leverage
Seller-leaning
11 days on market
Zone X
Flood risk
Minimal hazard per FEMA
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 4 of 12
Price vs recent sales
Asking $355k tops 4 of the last 12 closed sales

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

Highlights

As of October 13, 2026, 611 Victorias Circle in Victoria Landing, St. Marys is listed at $355,000 (1,885 sq ft, about $188 per sq ft). That sits within a few percent of Victoria Landing's median closed sale of $394,940 over the last 12 months (1 recorded sales). It has been 11 days on market. Listing facts: built in 2022, no HOA. 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 2022 · 4 yrs
  • 1,885 sq ft of living area
  • 2-car garage
  • Listed at $355,000 — recent neighborhood median sale price ~$394,940 (nearby sales; deemed reliable, not an appraisal)
  • 11 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

4.375% VA ASSUMABLE LOAN! DON'T MISS THIS NEARLY NEW 3-BEDROOM HOME IN VICTORIA LANDING OFFERING AN EXCEPTIONAL FINANCING OPPORTUNITY ALONG WITH A SPACIOUS, MOVE-IN-READY DESIGN. SITUATED ON JUST OVER 1/3 ACRE AND BACKING UP TO A PRESERVE, THIS HOME COMBINES PRIVACY, QUALITY CONSTRUCTION, AND EASY EVERYDAY LIVING.

STEP INSIDE TO A HIGHLY FUNCTIONAL SPLIT FLOOR PLAN FILLED WITH NATURAL LIGHT. DURABLE LUXURY VINYL PLANK FLOORING EXTENDS THROUGHOUT THE MAIN LIVING AREAS, COMPLEMENTED BY TILED BATHROOMS FOR EASY MAINTENANCE. THE OPEN KITCHEN IS A STANDOUT WITH COUNTER SPACE GALORE, FEATURING A LARGE ISLAND, BREAKFAST BAR, STAINLESS STEEL APPLIANCES, AND PLENTY OF ROOM FOR MEAL PREP AND ENTERTAINING.

THE KITCHEN FLOWS SEAMLESSLY INTO THE DINING AND LIVING AREAS, CREATING AN INVITING OPEN-CONCEPT GATHERING SPACE. THE SPACIOUS PRIMARY SUITE OFFERS A RELAXING RETREAT WITH A DOUBLE VANITY, LARGE WALK-IN CLOSET, AND PRIVATE WATER CLOSET. TWO ADDITIONAL BEDROOMS AND A FULL BATH ARE THOUGHTFULLY POSITIONED ON THE OPPOSITE SIDE OF THE HOME FOR ADDED PRIVACY.

BUILT WITH DURABILITY AND EFFICIENCY IN MIND, THE HOME FEATURES LOW-MAINTENANCE FIBER CEMENT SIDING, 2X6 EXTERIOR WALLS SPACED 16 INCHES ON CENTER, R-19 INSULATION, AND 30-YEAR ARCHITECTURAL SHINGLES. THE HOMESITE WAS PROFESSIONALLY COMPACTED PRIOR TO CONSTRUCTION TO HELP MINIMIZE SETTLING. OUTDOOR LIVING IS JUST AS IMPRESSIVE WITH AN OVERSIZED SCREENED LANAI OVERLOOKING THE EASY-CARE, VINYL PRIVACY-FENCED BACKYARD AND PEACEFUL PRESERVE BEYOND.

ADDITIONAL HIGHLIGHTS INCLUDE AN ATTACHED TWO-CAR GARAGE AND CONVENIENT INDOOR LAUNDRY ROOM. LOCATED IN AN X FLOOD ZONE WITH NO FLOOD INSURANCE REQUIRED AND, BEST OF ALL, NO HOA DUES! CONVENIENTLY LOCATED NEAR SCHOOLS, SHOPPING, DINING, KINGS BAY SUB BASE, AND I-95 FOR AN EASY COMMUTE.

A 4.375% VA ASSUMABLE LOAN, NEARLY NEW CONSTRUCTION, PRESERVE-BACKED HOMESITE, AND NO HOA DUES MAKE THIS ONE YOU WON'T WANT TO MISS. EASY TO SHOW- SCHEDULE YOUR PRIVATE TOUR TODAY!

All 50 photos

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Description provided by Coldwell Banker Access Realty KGLD and reproduced from the MLS; not independently verified.

Listing courtesy of Coldwell Banker Access Realty KGLD · Listing agent: Nicole Readdick · 912-882-5450Provided 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$355,000
Bed / bath3 / 2
Living area1,885 sq ft
Year built2022
Property typeSingle Family Residence
Garage2-car
MLS #2002885
Listing status11 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
CountyCamden
Area listings38 active · 11 under contract
Estimated first-year tax~$3,728/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$188
Estimated monthly payment$2,380
Insurance (illustrative)$1k–$2k/yr
Messtimate range$327,990 – $444,860
Comparable-sales median$394,940

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

$2,380/mo
  • Principal & interest $1,966/mo 83%
  • Taxes $311/mo 13%
  • Insurance $103/mo 4%

$2,380/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.)
~$3,728/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)
$1k–$2k/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
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
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
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 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 · Victoria Landing

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.

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 sales207 Millers Trace Drive207 Millers Trace Drive: $168/sq ft$168206 The Villas Way206 The Villas Way: $174/sq ft$174100 Eva Drive100 Eva Drive: $179/sq ft$179This homeThis home: $188/sq ft$188205 Salt Grass Trace205 Salt Grass Trace: $231/sq ft$231904 Larkspur Lane904 Larkspur Lane: $236/sq ft$236206 Holm Place206 Holm Place: $245/sq ft$245Community median $205

Price vs. size in Victoria Landing

Each dot is a closed sale since 2020 (30 total). This home is the gold marker.

$185k$304k$423k1,5362,1302,723This home: $355,000, 1,885 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, 2021–2025. This home lists at $188/sq ft.

$94$138$1822021: $10320212022: $16120222023: $17320232024: $16320242025: $1682025

Median sale price by year

12-month median closed price, 2021–2025.

$248k$326k$405k2021: $263k20212022: $330k20222023: $350k20232024: $390k20242025: $368k2025
Property timeline

This home’s history

  • 2022BuiltPer public record
  • About Oct 2026Listed (per MLS)MLS reports 11 cumulative days on market as of October 13, 2026
  • Oct 5, 2026First seen on movewithmomentum.comObserved at $355,000
  • 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 $355,000Momentum Realty · on market 11 days
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 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: $394,940 ($205/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

The Messtimate™

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.

$327,990the mess$444,860

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: $355,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 36% 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 — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • 47 active listings competing, 10 under contract

For reference, this home is listed at $355,000 ($188/sq ft). The list price is the seller's asking price and is not derived from this range.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,885 sq ft × $174–$236/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 13, 2026.

Momentum Scores

Momentum Property Score

77/100
Strongest on: Flood safety (90), Insurance cost (80)
0 limited50100 exceptional

77/100 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.

Price vs area71
This home $188/sq ft vs the community 12-month median $205/sq ft.
Affordability67
List price $355,000 vs the community median $394,940. Not a measure of personal affordability.
Flood safety90
FEMA Zone X. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2022 build. Obtain a property-specific quote.

Coverage: 4 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 $188 per square foot, about 8% below the community’s $205 median. Victoria Landing’s 12-month median sold price per square foot is $205. Confidence: Low · 1 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 38 active listings in Victoria Landing, no CDD assessment.

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

Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by Coldwell Banker Access Realty KGLD · MLS # 2002885

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Keep looking

Similar homes for sale near Victoria Landing

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 Victoria Landing

  • 110 E Central Avenue · $293,724 · 3 bd / 2.0 ba · listed October 9, 2026 (courtesy of ERA Kings Bay Realty)
  • 502 Margaret Street · $320,000 · 1 bd / 2.0 ba · listed October 7, 2026 (courtesy of Coldwell Banker Access Realty KGLD)
  • 203 Borrell Boulevard · $139,900 · 3 bd / 1.0 ba · listed October 7, 2026 (courtesy of Coldwell Banker Access Realty KGLD)
  • 301 Trimaran Drive · $559,400 · 3 bd / 2.5 ba · listed October 7, 2026 (courtesy of St Marys Realty Inc Island Si)
  • 178 Clarks Bluff Road · $229,900 · 2 bd / 1.5 ba · listed October 6, 2026 (courtesy of Coldwell Banker Access Realty KGLD)
  • 1441 Colerain Road · $269,900 · 2 bd / 2.0 ba · listed October 5, 2026 (courtesy of Coastal Roots Realty)

Recently off market in Victoria Landing

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

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.

Mary Lee ClarkAssigned elementary school · Camden County School District
St. Marys Middle SchoolAssigned middle school · Camden County School District
Camden CountyAssigned high school · Camden County School District
Nearby & guides

City, county & community guides

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

City
St. Marys

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

View →
County
Camden

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

Community
Victoria Landing

Amenities and HOA/CDD detail on the neighborhood guide.

Before you decide

Buyer research checklist

Items worth confirming for 611 Victorias Circle, 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.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • 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 1,885 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 $3,728/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 13, 2026)
Comparable salesScoutMLS® closed sales within about 3 miles, 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 611 Victorias Circle and when was it built?

Per the listing record, 611 Victorias Circle was built in 2022 and has 1,885 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 611 Victorias Circle in?

611 Victorias Circle is in Victoria Landing in St. Marys, Camden County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 611 Victorias Circle 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 611 Victorias Circle estimated?

The estimate on this page (about $3,728 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 611 Victorias Circle 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.

Ready when you are

See 611 Victorias 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.

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.