640 Oak Street, St. Simons Island, GA 31522
Sources: ScoutMLS® (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 1, 2026, 640 Oak Street in Park View, St. Simons Island is listed at $1,500,000 (1,779 sq ft, about $843 per sq ft). That is 743% above Park View'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 390%. It came to market within the past week. Listing facts: built in 1950, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1950 · 76 yrs
- 1,779 sq ft of living area
- Listed at $1,500,000 — recent neighborhood median sale price ~$178,000 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- No HOA reported by the listing (confirm)
About this home
Prepare to be WOWED! This elegant, custom-renovated home in the heart of the Village perfectly blends coastal charm, modern luxury, and an unbeatable location. Thoughtfully renovated in 2021, this home offers the feel and finishes of a brand-new residence.
Step inside to soaring 15-foot ceilings and an expansive open-concept living area that flows seamlessly into a stunning designer kitchen. The kitchen is truly the heart of the home, featuring a 12-foot quartz island with seating for six, high-end appliances, custom cabinetry, and beautiful finishes throughout. The private primary suite is a tranquil retreat, featuring dual custom vanities, marble flooring, and a spa-inspired tiled shower with convenient access to the serene backyard.
Outside, enjoy an oversized deck perfect for entertaining, an outdoor shower, and lush landscaping creating a wonderfully private setting. Ideally located just a short stroll from the beach, Village shopping, restaurants, and parks, this exceptional home offers the perfect opportunity for a luxury vacation rental or dream primary residence. And an added bonus—flood insurance is not required, as the property is located in an X flood zone.
This is coastal living at its finest!
Description provided by Golden Isles Realty and reproduced from the MLS; not independently verified.
Provided via the ScoutMLS® Internet Data Exchange (Golden Isles Association of REALTORS®) · Source: ScoutMLS® · © 2026 The Golden Isles Multiple Listing Service, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $8,008/mo 79%
- Taxes $1,312/mo 13%
- Insurance $814/mo 8%
$10,134/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 Glynn County, GA: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Moss Creek Villas market
How this home is priced against recent nearby sales, and where Moss Creek Villas has been over 25 years. Momentum Research analysis of ScoutMLS® records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Moss Creek Villas
Each dot is a closed sale since 2004 (168 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, 2012–2026. This home lists at $843/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 20 (cold).
This home’s history
- 1950BuiltPer public record
- Oct 1, 2026First seen on movewithmomentum.comObserved at $1,500,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales 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: $178,000 ($172/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $1,500,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 47% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1950 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- 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:
- 93 active listings competing, 19 under contract
For reference, this home is listed at $1,500,000 ($843/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,779 sq ft × $328–$483/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 1, 2026.
Momentum Property Score
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.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $843 per square foot, about 390% above the community’s $172 median. Moss Creek Villas’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 Moss Creek Villas 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 Moss Creek Villas, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Golden Isles Realty · MLS # 2002809
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Similar homes for sale near Park View
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 Park View
- 801 Oak Bluff Road · $169,900 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of Southern Classic, REALTORS)
- 118 S Palm Drive · $199,900 · 4 bd / 2.0 ba · listed September 25, 2026 (courtesy of Duckworth Properties BWK)
- 106 Kings Way · $4,975,000 · 6 bd / 6.5 ba · listed September 24, 2026 (courtesy of Coastal Georgia Living LLC)
- 380 Moss Creek Lane · $173,000 · 2 bd / 2.0 ba · listed September 24, 2026 (courtesy of Signature Properties Group Inc.)
- 1124 Myers Hill Road · $445,000 · 4 bd / 3.0 ba · listed September 22, 2026 (courtesy of ERA Kings Bay Realty)
- 113 Breckenridge Drive · $354,500 · 4 bd / 2.5 ba · listed September 19, 2026 (courtesy of Crossway Realty)
Recently off market in Park View
- 1904 Mariners Circle · last listed $550,000 · 2026-10-01
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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 Glynn County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 640 Oak Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1950 (76 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 1,779 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 $15,750/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 | ScoutMLS® closed sales within about 3 miles, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of ScoutMLS® records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 640 Oak Street and when was it built?
Per the listing record, 640 Oak Street was built in 1950 and has 1,779 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 640 Oak Street in?
640 Oak Street is in Park View in St. Simons Island, Glynn County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 640 Oak 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 640 Oak Street estimated?
The estimate on this page (about $15,750 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 640 Oak 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.
See 640 Oak Street 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.