Waterfront Homes for Sale in St. Simons Island, GA
This page tracks every St. Simons Island 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.
90 waterfront homes are for sale or pending in St. Simons Island, GA today across 43 communities. The median asking price is $962,450, from $299,900 to $11,999,000. Listings in St. Simons Island without that feature have a median of $789,900. Most listings right now: Frederica Golf Club (8), Beach Club Condos (8), Hampton Plantation (5). Updated September 8, 2026 from the MLS.
St. Simons Island 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 |
|---|---|---|---|---|
| Frederica Golf Club | 8 | 4 | $3,997,495 | $2,299,000 |
| Beach Club Condos | 8 | 0 | $649,500 | $470,000 |
| Hampton Plantation | 5 | 1 | $1,299,000 | $825,000 |
| No Recorded Subdivision | 5 | 4 | $749,000 | $699,000 |
| East Beach | 3 | 0 | $3,994,900 | $3,925,000 |
| West Point | 3 | 0 | $1,450,000 | $1,300,000 |
| King & Prince Villas Condos | 3 | 0 | $1,100,000 | $949,900 |
| The Waterfront at Golden Isles Marina | 3 | 0 | $725,000 | $675,000 |
| Hampton River Villas | 3 | 0 | $598,000 | $595,000 |
| Shipwatch Condos | 3 | 0 | $525,000 | $515,000 |
| Gascoigne Condos | 3 | 0 | $320,000 | $299,900 |
| Kings Point | 2 | 1 | $8,374,500 | $4,750,000 |
| Sea Palms | 2 | 0 | $2,062,500 | $1,275,000 |
| Stillwater | 2 | 0 | $1,995,000 | $1,495,000 |
| The Orchard | 2 | 1 | $1,809,700 | $1,799,500 |
| Jones Creek | 2 | 0 | $1,617,000 | $1,439,000 |
| St Clair Estates | 2 | 0 | $1,138,750 | $982,500 |
| North Breakers Condos | 2 | 0 | $1,087,500 | $725,000 |
| Plantation Point Condos | 2 | 0 | $762,450 | $725,000 |
| Sandcastle | 2 | 0 | $623,500 | $600,000 |
| Bay Tree Cottages | 2 | 0 | $599,950 | $549,900 |
| Riverwatch Condos | 2 | 0 | $417,000 | $309,000 |
| Yacht Club | 1 | 0 | $6,999,500 | $6,999,500 |
| Stevens Tract | 1 | 0 | $5,395,000 | $5,395,000 |
| Battery Park | 1 | 1 | $4,100,000 | $4,100,000 |
| Atlantic Point | 1 | 0 | $3,100,000 | $3,100,000 |
| Hamilton Landing | 1 | 0 | $2,150,000 | $2,150,000 |
| Hampton Point | 1 | 0 | $1,999,999 | $1,999,999 |
| The Battery | 1 | 0 | $1,650,000 | $1,650,000 |
| Wesley Lee Estate | 1 | 0 | $1,595,000 | $1,595,000 |
| Epworth Acres | 1 | 0 | $1,550,000 | $1,550,000 |
| Shaws Bounty | 1 | 0 | $990,000 | $990,000 |
| Dune Breeze Townhomes (Fee Simple) | 1 | 0 | $975,000 | $975,000 |
| West Point Plantation | 1 | 0 | $915,000 | $915,000 |
| Sunbury Court | 1 | 0 | $720,000 | $720,000 |
| Courtside Homes | 1 | 0 | $649,000 | $649,000 |
| The Reserve at Demere Townhomes (Fee Simple) | 1 | 0 | $599,500 | $599,500 |
| Harbour Oaks Condos | 1 | 0 | $574,900 | $574,900 |
| Pelican Place Townhomes (Fee Simple) | 1 | 0 | $565,000 | $565,000 |
| Demere House Condos | 1 | 0 | $529,000 | $529,000 |
| Brockinton Marsh Condos | 1 | 0 | $500,000 | $500,000 |
| Fairway Villas Condos | 1 | 0 | $455,000 | $455,000 |
| Sea Palms Colony Condos | 1 | 0 | $389,000 | $389,000 |
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. Simons Island?
What do waterfront homes cost in St. Simons Island?
Which St. Simons Island community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring St. Simons Island
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. Simons Island, 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.