Cumberland Harbour
Homes for Sale in St. Marys, GA
All 87 homes for sale in St. Marys, GA · median $429,900 · 87 homes for sale in 31558
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of Ali Brown-Winans, Berkshire Hathaway HomeServices RPA Realty · via ScoutMLS®
As of October 2026, Cumberland Harbour in St. Marys, GA has 10 homes for sale, asking from $559,900 to $1,150,000 (median $704,672). Over the 12 months ending 2026-09-20, 16 recorded sales closed at a median of $616,700, $296 per square foot, a median 148 days on market, sellers accepting 96% of original asking (-9% versus the prior year). Homes listed or recently sold were built 2006–2026 with 9 new construction; 15 of 22 report an HOA (median $190/mo); none of the 22 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft). At the median price and Camden County's 2025 rate of 28.05 mills, annual property tax runs about $6,920.
| Location | St. Marys, Camden County, GA · ZIP 31558 |
|---|---|
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Gated, Playground, Pool, Fitness Center, Clubhouse, Management |
| Sale prices, last 12 months | $616,700 median across 16 closed sales · $296 per sq ft · -8.9% vs the prior 12 months |
| Days on market (closed sales) | 148 median |
| For sale right now | 8 active, 0 pending · median asking $769,450 · 6.9 months of supply |
Data as of September 20, 2026. Listing data provided by ScoutMLS® (Golden Isles Association of REALTORS®). The data is deemed reliable but is not guaranteed to be accurate by ScoutMLS. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cumberland Harbour key facts,” movewithmomentum.com/neighborhoods/cumberland-harbour, data as of September 20, 2026.
Last 30 days in Cumberland Harbour: 2 new listings (median asking $594,950). As of October 9, 2026, Listing data provided by ScoutMLS® (Golden Isles Association of REALTORS®). The data is deemed reliable but is not guaranteed to be accurate by ScoutMLS.
Homes For Sale Right Now in Cumberland Harbour
Live MLS inventory for Cumberland Harbour. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 61 daysTop listing
Active · 162 days
Active · 138 days
Active · 84 days
Active · 138 days
Active · 42 days
Active · 335 days
Active · 210 daysActive and pending Cumberland Harbour listings as of 2026-10-10, priced high to low. Listing data provided by ScoutMLS® (Golden Isles Association of REALTORS®). The data is deemed reliable but is not guaranteed to be accurate by ScoutMLS. 
Tap any home to ask about it.
Every Home for Sale in Cumberland Harbour Right Now (10)
All 10 active and pending Cumberland Harbour listings with a detail page, newest first, refreshed twice a day from the MLS.
- 105 Hamlet Circle · $559,900 · 3 bd / 2 ba · listed Sep 28, 2026 · listed by St Marys Realty Inc Island Si
- 402 Teather Drive · $630,000 · 3 bd / 2 ba · listed Sep 24, 2026 · listed by Coldwell Banker Access Realty KGLD
- 104 Carousers Cove · $669,444 · 3 bd / 2.5 ba · listed Aug 19, 2026 · listed by St Marys Realty Inc Island Si
- 109 Carousers Cove · $1,150,000 · 4 bd / 4.5 ba · listed Jul 31, 2026 · listed by St Marys Realty Inc Island Si
- 101 Wards Lane · $799,000 · 4 bd / 3 ba · listed Jul 11, 2026 · listed by St Marys Realty Inc Island Si
- 306 Cobia Lane · $799,900 · 3 bd / 3.5 ba · listed Jul 11, 2026 · listed by Berkshire Hathaway HomeServices RPA Realty
- 108 Plank Lane · $739,900 · 3 bd / 2.5 ba · listed Jul 11, 2026 · listed by Berkshire Hathaway HomeServices RPA Realty
- 206 Clubhouse Circle · $865,000 · 4 bd / 3 ba · listed Jul 11, 2026 · listed by St Marys Realty Inc Island Si
- 106 Plank Lane · $639,900 · 3 bd / 3.5 ba · listed Jul 11, 2026 · listed by St Marys Realty Inc Island Si
- 110 Clubhouse Circle · $649,900 · 3 bd / 2.5 ba · listed Jul 11, 2026 · listed by Berkshire Hathaway HomeServices RPA Realty
The number that anchors Cumberland Harbour right now is the 121-day median time on market. That is a slow clock, and it tells you pricing discipline matters more here than in a community where homes move quickly. A median price of $625,000 against a median of $299.48 per square foot points to a mix of home sizes and conditions rather than a uniform product, so comparable selection has to be tight.
With only 17 closings in the window and prices down 1.6% year over year, this is a thin, slightly softening market rather than a trend in either direction. Sellers should expect buyers to negotiate on days-on-market leverage, and buyers should expect that a well-priced, well-presented listing can still separate itself quickly from the rest of the sitting inventory.
Cumberland Harbour right now
🟢 Buyer-leaning market. 6.9 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of ScoutMLS® records, as of September 20, 2026. Confidence: High (8 active and pending listings, 16 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($617K) is down 8.9% from the prior 12 months ($677K). With about 4 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level ScoutMLS® closed sales, 12-month windows ending September 20. Confidence: Medium (16 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 10, 2026 · Live data: ScoutMLS®, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Cumberland Harbour market snapshot (as of September 20, 2026): the median sale price is about $617K ($296 per sq ft over the trailing 12 months of closed sales), a median 148 days on market for closed sales, and 6.9 months of supply, a buyer-leaning market. The trailing-12-month median is down 9% from the prior 12 months, computed from record-level ScoutMLS® closed sales (16 closings in the current window).
In ZIP 31558 (St. Marys), 217 homes closed in the last 12 months at a median of $321K ($182/sq ft), down 3.8% year over year, with a median 83 days on market. Right now 67 active and 24 pending listings put supply at about 5.5 months — a buyer's market. See the live ZIP 31558 housing market.
SCOUT sales records identify 72 homes in Cumberland Harbour that have changed hands since 2013, built between 1972 and 2026 (median 2022), with a median living area of about 2,332 sq ft and a typical 3-bedroom, 2.5-bath layout; 100% are single-family homes. Source: SCOUT closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Cumberland Harbour sits in St. Marys, Camden County, carrying a name and location tied to the water without a documented amenity package in current MLS listings — worth confirming directly rather than assuming.
The setting & the homes.
Aerial and on-site photos of Cumberland Harbour. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Cumberland HarbourCumberland HarbourCumberland HarbourCumberland HarbourCumberland HarbourCumberland HarbourCumberland HarbourCumberland HarbourPhotos from ScoutMLS® listings in Cumberland Harbour; content deemed reliable but not guaranteed.
Who Cumberland Harbour is best for.
Best for
- Buying with flexibility on closing timeline given the market's slower pace.
- Negotiating hard on price where the 121-day median favors buyer leverage.
- Willing to independently verify community features before committing.
Probably not for
- Needing a documented amenity package confirmed before making an offer.
- Expecting a fast sale timeline in a market averaging four months on market.
- Relying on a handful of recent sales as a firm pricing benchmark.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level ScoutMLS® closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($617K) IS the median in the snapshot above, and the move from 2025 ($677K) IS the -8.9% one-year change.
Windows contain 0 to 16 sales each (16 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing data provided by ScoutMLS® (Golden Isles Association of REALTORS®). The data is deemed reliable but is not guaranteed to be accurate by ScoutMLS. Deemed reliable but not guaranteed.
Cumberland Harbour Market Scorecard
Cumberland Harbour is currently a buyer's market. About 8.6 months of supply, a median asking price of $704,672, and homes go under contract in about 121 days.
Go deeper: true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Cumberland Harbour, St. Marys
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by ScoutMLS® (Golden Isles Association of REALTORS®). The data is deemed reliable but is not guaranteed to be accurate by ScoutMLS. Deemed reliable but not guaranteed.
Cumberland Harbour on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from ScoutMLS®. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Camden County School System
- Verify the zoned schools by address
- Magnet and choice options may be available
Camden County School System posted a 96.2% four-year graduation rate and 9,515 students across 12 schools in 2024-25 (Governor’s Office of Student Achievement).
- St. Marys Elementary · Elementary
- St. Marys Middle School · Middle
- Camden County · High
District figures are official Georgia (GOSA) 2024-25 data. Zoned schools reflect the assignments reported on recent Cumberland Harbour listings and can change; always confirm with the Camden County School System for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cumberland Harbour address.
Shop the zone: Homes zoned for St. Marys Elementary Elementary School · Homes zoned for Camden County Middle School · Homes zoned for St. Marys Middle School · Homes zoned for Camden County High School
The Cumberland Harbour buying strategy.
If we were buying in Cumberland Harbour today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cumberland Harbour.
A market defined by patience, not scarcity
At 121 days median time on market, Cumberland Harbour is not a fast-turn community. That number reflects a market where buyers have room to be selective and sellers who price ahead of the data tend to sit. The small closings count — 17 in this window — means each transaction carries more weight in shaping perception of value, so relying on a single recent sale as a benchmark is risky.
The median price of $625,000 and the per-square-foot figure of $299.48 together suggest a spread of home sizes and finish levels rather than a narrow, uniform product line. A slight year-over-year pull-back of 1.6% is consistent with a market working through inventory rather than one under pressure. Because no specific community amenities are showing up in current MLS listings, anyone evaluating a purchase here should verify what is and is not included — private access, common areas, or association features — directly rather than assuming a standard package.
The location and the amenities are priced into every listing in Cumberland Harbour. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Cumberland Harbour buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (4.8). Basis: Recent Direction -8.9% year-over-year; Liquidity & Demand 6.9 months of supply; Pricing Power 96.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With a thin closings count and a wide price-per-square-foot pattern, pricing a home in Cumberland Harbour correctly takes more than pulling a median off a report. We build the comparable set property by property, weigh condition and time-on-market data before advising a list price, and tell sellers directly when the 121-day market means adjusting the timeline or the number.
Cumberland Harbour in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $190/month (about $2,280/yr) · median of 144 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $190 per month ($2,280 a year) — the median AssociationFee across 144 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Cumberland Harbour buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cumberland Harbour sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cumberland Harbour, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cumberland Harbour home worth?
Get a no-obligation home value based on real comparable sales in Cumberland Harbour, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in St. Marys →
Recently off market in Cumberland Harbour
Homes in Cumberland Harbour that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 109 Becket Road · off market
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Recent Developments in Cumberland Harbour
Development, infrastructure, retail, and school activity affecting Cumberland Harbour, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Development
Nassau review committee considers up to 350 lots in Wildlight southern planning area
At its Sept. 1 meeting the Development Review Committee reviewed a residential plan for up to 350 single-family lots south of State Road 200 and west of Liberty Cove, in two phases. The committee also reviewed a 167-lot Liberty Cove Phase 2 plat and a Wild Acres Trail extension to a future county park entrance. A comprehensive plan amendment was expected before commissioners around Sept. 14.
What it may mean for the marketAdded lots near the SR 200 corridor increase future housing supply in Yulee and Fernandina Beach commuting areas. The site is about 5 miles southwest of Cumberland Harbour.
Source: Nassau NewsLine - July 2026Builder Activity
Wildlight subdivision advances in Yulee as the master-planned community expands
Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.
What it may mean for the marketOngoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The site is about 10 miles southwest of Cumberland Harbour.
Source: Jax Daily Record - March 2026Development
First Wildlight Commerce Park speculative building opens in Yulee
The first speculative building at Wildlight Commerce Park opened in March 2026, adding move-in-ready industrial and flex space to Rayonier's Wildlight community in Nassau County near Interstate 95 and A1A.
What it may mean for the marketNew employment and commerce space at Wildlight strengthens the live-and-work profile of the Interstate 95 and A1A area in Nassau County, a factor that can support nearby residential demand. The site is about 10 miles southwest of Cumberland Harbour.
Source: Jax Daily Record
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Cumberland Harbour?
How long do homes in Cumberland Harbour take to sell?
Is Cumberland Harbour a buyer's or seller's market right now?
Who is the best real estate agent for Cumberland Harbour?
How do I find a top St. Marys real estate agent who knows Cumberland Harbour?
Can Momentum Realty connect me with an agent for Cumberland Harbour?
Where is Cumberland Harbour, and what county is it in?
Is Cumberland Harbour a good place to live?
Should you buy in Cumberland Harbour?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | ScoutMLS®, refreshed twice daily (last: October 10, 2026) |
| Community market stats | ScoutMLS® closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | ScoutMLS® records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2013 (47 transactions analyzed) |
Verify the primary sources yourself: Georgia DOR · U.S. Census · FEMA flood maps.
Momentum Research figures are our own analysis of ScoutMLS® records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum will price yours against live local comps — a real number, not an algorithm’s guess.
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See how Cumberland Harbour fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Cumberland Harbour
- Home values · What homes in Cumberland Harbour actually sell for
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