Cumberland Palms
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 Harold George Meyers, eXp Realty, LLC · via ScoutMLS®
As of October 2026, Cumberland Palms in St. Marys, GA has 1 home for sale. As of October 2026, the MLS records 1 closed sale in Cumberland Palms in St. Marys, GA, the most recent in September 2024. Across St. Marys as a whole, 134 homes closed in the last 12 months at a median of $375,000, 79 median days on market, with 51 homes for sale today. At that median and Camden County's 2025 rate of 28.05 mills, annual property tax runs about $4,210.
There is not enough current MLS activity in Cumberland Palms to point to a pricing pattern with any confidence. When a community shows this little listing volume, the honest read is that value here is set home by home, based on lot, condition, and whatever comparable sales exist nearby in St. Marys rather than by a clear internal trend.
For a buyer or seller, that means the usual shortcuts do not apply. A seller should expect to lean on a broader Camden County comparison set to price correctly, and a buyer should not assume the next listing that appears will look like the last one. This is a market that rewards patience and a direct look at whatever is actually active, not a market to read from averages.
The 60-Second Overview
Cumberland Palms sits in St. Marys, Camden County, in far southeast Georgia near the Cumberland Island / St. Marys waterfront corridor. Current MLS listings do not surface a defined set of community amenities, so any pool, dock, or common area should be confirmed listing by listing rather than assumed.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Cumberland Palms is best for.
Best for
- Buying based primarily on St. Marys location and river/Cumberland Island proximity rather than on-site amenities.
- Comfortable evaluating a home on its own merits when broader community data is limited.
- Working with an agent to pull direct comparables rather than relying on public averages.
Probably not for
- Requiring a confirmed, active amenity package before making an offer.
- Needing a clear, established pricing trend to benchmark against before negotiating.
- Wanting a community with a well-documented HOA and shared-amenity structure already in place.
The market around Cumberland Palms
Cumberland Palms is too small for its own price trend, so here is the market around it.
In ZIP 31558, 112 homes are on the market and 26% are under contract — a steady corner of St. Marys.
Across Camden County, 198 homes are active and 56 pending (22% under contract).
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.
ZIP and county figures describe the wider market, not Cumberland Palms specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Cumberland Palms, 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.
Homes For Sale Right Now in Cumberland Palms
Live MLS inventory for Cumberland Palms. 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 and pending Cumberland Palms listings as of 2026-10-09, 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 Palms Right Now (1)
All 1 active and pending Cumberland Palms listings with a detail page, newest first, refreshed twice a day from the MLS.
- 114 Riverfront Circle · $565,000 · 3 bd / 3.5 ba · listed Jul 11, 2026 · listed by eXp Realty, LLC
The Cumberland Palms buying strategy.
If we were buying in Cumberland Palms 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Palms.
A community best judged listing by listing
St. Marys' draw is largely about location: proximity to the St. Marys River, the Cumberland Island ferry landing, and the town's small working waterfront. Cumberland Palms shares in that geography, but without a consistent flow of MLS activity or a documented amenity package, it is not a community you can characterize in broad strokes right now.
That puts the weight on due diligence. Anyone looking here should treat each available home as its own case: verify lot specifics, any HOA structure, and condition directly, rather than relying on assumptions carried over from other St. Marys communities.
The location and the amenities are priced into every listing in Cumberland Palms. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with thin current MLS data, the value we add is in verifying what is actually true of a specific home rather than repeating generic claims about the area. We pull the real comparables in St. Marys and Camden County, confirm amenity and HOA details directly rather than assuming them, and make sure any offer or listing price is grounded in what is happening on the ground now, not in outdated general assumptions about the community.
Cumberland Palms in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Palms 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 Palms sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cumberland Palms, 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 Palms home worth?
Get a no-obligation home value based on real comparable sales in Cumberland Palms, 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 →
Should you buy in Cumberland Palms?
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 9, 2026) |
| Under-contract shares | ScoutMLS® records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2024 (1 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.
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Recent Developments in Cumberland Palms
Development, infrastructure, retail, and school activity affecting Cumberland Palms, 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 6 miles south of Cumberland Palms.
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 Palms.
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 Palms.
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.
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Common questions about Cumberland Palms
Where is Cumberland Palms?
Cumberland Palms is a community in St. Marys, Camden County, Georgia, ZIP 31558.
Are there homes for sale in Cumberland Palms right now?
Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Cumberland Palms have an HOA or CDD?
No HOA is on record for Cumberland Palms in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
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