Waterfront Homes for Sale in St. Marys, GA
This page tracks every St. Marys listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
17 waterfront homes are for sale or pending in St. Marys, GA today across 9 communities. The median asking price is $549,900, from $267,500 to $1,150,000. Listings in St. Marys without that feature have a median of $387,500. Most listings right now: Osprey Cove (6), Winding River (3), Cumberland Harbour (2). Updated September 27, 2026 from the MLS.
Live waterfront homes in St. Marys: the listings
12 active listings carry the flag today (19% of St. Marys inventory), median asking $534,900, $248/sq ft, median 100 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in St. Marys
The most expensive waterfront homes in St. Marys
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 109 Carousers Cove | $1,150,000 | 2,675 | Cumberland Harbour |
| 1023 Greenwillow Drive | $999,000 | 3,730 | Osprey Cove |
| 811 Park Street | $949,000 | 3,126 | Hollywood Park |
| 306 Cobia Lane | $799,900 | 2,611 | Cumberland Harbour |
| 1036 Greenwillow Drive | $715,000 | 3,839 | Osprey Cove |
| 311 Bateau Drive | $549,900 | 2,201 | Winding River |
| 122 Tidal Marsh Way | $519,900 | 2,956 | Winding River |
| 59 Linda Street | $500,000 | 1,386 | Gains H Davis |
| 911 Larkspur Lane | $490,000 | 2,502 | Osprey Cove |
| 245 N Chase Court | $455,000 | 2,462 | Shadowlawn Estates |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| $300K–$500K | 4 | 33% |
| $500K–$750K | 4 | 33% |
| $750K–$1M | 3 | 25% |
| $1M+ | 1 | 8% |
St. Marys waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Osprey Cove | 6 | 0 | $619,500 | $445,000 |
| Winding River | 3 | 2 | $549,900 | $519,900 |
| Cumberland Harbour | 2 | 1 | $974,950 | $799,900 |
| Hollywood Park | 1 | 0 | $949,000 | $949,000 |
| No Recorded Subdivision | 1 | 0 | $565,000 | $565,000 |
| Gains H Davis | 1 | 0 | $500,000 | $500,000 |
| Shadowlawn Estates | 1 | 0 | $455,000 | $455,000 |
| HaydenPoint | 1 | 0 | $347,300 | $347,300 |
| Marsh Cove | 1 | 0 | $267,500 | $267,500 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in St. Marys?
What do waterfront homes cost in St. Marys?
Which St. Marys community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
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Live data: Scout (GAMLS), refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in St. Marys, GA whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.