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    Coastal Homesite in Cumberland Harbour Title is generated by Realmo AI

    Stern Street lot 771, Saint Marys, GA 31558

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    Picture of Residential land & home lots at Stern Street lot 771, Saint Marys, GA
    Pending
    $39,900

    LAND - St. Marys, GA

    Lot size:
    0.22 Acres
    Added:
    Mar 13, 2026
    Days on Market:
    66
    Last Refresh:
    May 17 at 10:06 pm

    Property Features for Stern Street lot 771

    General Information

    Property type
    Land
    Property subtype
    Other
    Standard status
    Pending
    APN
    160C 772
    Lot size
    0.22 Acres

    Taxes and HOA fees

    Tax Year
    24
    Tax Annual Amount
    390

    Utilities

    Utilities
    Cable Available
    Sewer type
    Public Sewer
    Water source
    Public

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    Listing Contact
    Edward T Springer

    Listing agent Edward T Springer License #366783

    Listing office eXp Realty 1372 Peachtree St NE, Atlanta, GA

    Listing date Mar 13, 2026

    MLS# 10710394 Listing URL

    Copyright © 2026 Georgia Multiple Listing Service. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

    HighLights

    • Resort‑style living with access to multiple pools, tennis courts, pickleball courts, fitness center, clubhouse, walking trails, and scenic parks.
    • Located in the prestigious, gated waterfront community of Cumberland Harbour.
    • Easy access to the Intracoastal Waterway via the community day dock, appealing to boating enthusiasts.
    • Proximity to historic downtown St. Marys, waterfront dining, and ferry access to Cumberland Island National Seashore.
    • Homesite is .22 acres, providing an opportunity to build a custom home.
    • Short drive to Jacksonville for additional shopping, dining, and airport access.

    Overview

    This 0.22-acre homesite is located in the coastal community of Cumberland Harbour in St. Marys, Georgia. It offers an opportunity to build a private retreat in a neighborhood known for its coastal landscapes and resort-style living. Cumberland Harbour features maritime forests, winding streets, and amenities that include multiple pools, tennis courts, pickleball courts, a fitness center, a clubhouse, walking trails, and scenic parks. A community day dock provides access to the Intracoastal Waterway. The community is located in Camden County, minutes from historic downtown St. Marys, waterfront dining, and ferry access to Cumberland Island National Seashore. Jacksonville is a short drive away. This homesite is suitable for a primary residence, vacation getaway, or investment property, offering a foundation to enjoy the coastal Georgia lifestyle in a gated waterfront community.
    Property Profile Insight Report Location Intelligence

    Current Use by Public Records

    Residential land & home ...

    Map

    City
    Saint Marys
    County
    Camden
    State
    Georgia
    Longitude
    -81.5701
    Latitude
    30.7777

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    FAQs

    What type of property is this?
    Residential land & home lot - 0.22-acre homesite in a sought-after St. Marys neighborhood.
    Where is this residential land & home lot located?
    The property is located at Stern Street lot 771 Saint Marys, GA.
    What is the asking price?
    The asking price for this property is $39,900.
    What are key features of this property?
    This property features: Resort‑style living with access to multiple pools, tennis courts, pickleball courts, fitness center, clubhouse, walking trails, and scenic parks.; Located in the prestigious, gated waterfront community of Cumberland Harbour.; Easy access to the Intracoastal Waterway via the community day dock, appealing to boating enthusiasts.
    (404) 516-1465
    We can help!
    Listing Contact
    Edward T Springer
    Real Estate License ID: 366783
    Learn More
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    Realmo Value Estimations

    Realmo estimates a property’s market value using a proprietary methodology that incorporates public data and user-submitted information. This cumulative value is generated by integrating a variety of conventional and innovative methods. 

    Disclaimer

    These figures are not official appraisals and should not be used as a substitute for a valuation performed by a licensed appraiser.
    Actual market value may differ due to factors not captured in the data. Estimates are offered for informational purposes only, and users should conduct independent research before making financial or investment decisions.
    By using this feature, you acknowledge that Realmo is not responsible for actions taken based on these estimates.

    AI approach

    Realmo AI Method estimates property value using machine learning models trained on millions of comparable listings, transactions, and market signals. It analyzes property features, location intelligence data, and current market dynamics to predict the most probable market value in real time.

    Realmo CapRate Calculation

    Realmo calculates the Capitalization Rate (Cap Rate) to help estimate a property's potential return on investment. The Cap Rate is a fundamental metric in commercial real estate that measures the relationship between a property's net operating income and its market value.

    How We Calculate Cap Rate

    Cap Rate Formula:
    Cap Rate (%) = (Net Operating Income / Property Value) × 100

    Net Operating Income (NOI) Formula:
    NOI = Area × Lease Rate × (1 - Vacancy Rate) × (1 - Operating Expense Ratio)

    Components

    Net Operating Income (NOI) represents the annual income a property generates after operating expenses:

    • Area: Building square footage from property records
    • Lease Rate: Annual $/sqft based on market data for the property type and geographic location
    • Vacancy Rate: Percentage of unoccupied space based on market data for the property type and location
    • Operating Expense Ratio: Operating costs as a percentage of income, varies by property type

    Property Value is derived from:

    • Recent sale price (if available)
    • Statistical models using comparable sales
    • AI-powered valuation estimates

    Example Calculation

    For a 100,000 sqft Office Building:

    • Lease Rate: $25.00/sqft/year (market data for Office in this area)
    • Vacancy Rate: 8% (market data for Office in this area)
    • Operating Expense Ratio: 35% (typical for Office properties)
    • Property Value: $15,000,000

    Step 1: Calculate NOI

    NOI = 100,000 × $25.00 × (1 - 0.08) × (1 - 0.35)
    NOI = 100,000 × $25.00 × 0.92 × 0.65
    NOI = $1,495,000/year

    Step 2: Calculate Cap Rate

    Cap Rate = ($1,495,000 / $15,000,000) × 100
    Cap Rate = 9.97%

    Property Type Considerations

    Net Operating Income calculations vary by property type due to different operating expense ratios:

    • Office: Higher expenses (30-40%) for HVAC, utilities, maintenance
    • Retail: Moderate expenses (25-35%) for common area maintenance
    • Industrial/Warehouse: Lower expenses (15-25%) for minimal tenant services
    • Multifamily: Moderate expenses (35-45%) including property management
    • Self-Storage: Lower expenses (25-35%) due to minimal maintenance

    Market lease rates and vacancy rates are specific to each property type and geographic location, reflecting local market conditions.

    Disclaimer

    These calculations are estimates for informational purposes only and should not be used as a substitute for professional financial analysis or appraisal.

    • Cap Rate calculations depend on market data that may change over time
    • Actual operating expenses, lease rates, and vacancy rates may differ from market averages
    • Individual property conditions, lease terms, and tenant quality significantly impact actual NOI
    • Property value estimates are approximations and not official appraisals
    • Cap rates vary widely by market, property condition, and investment risk profile

    Professional Guidance Recommended: Before making any investment or financial decisions, consult with licensed appraisers, commercial real estate brokers, and financial advisors who can evaluate your specific property and circumstances.
    By using this feature, you acknowledge that Realmo is not responsible for investment decisions or actions taken based on these estimates.

    Cap approach

    Capitalization Method calculates value based on estimated net operating income (NOI) and applying a market-based capitalization rate (cap rate), we estimate what a typical investor might be willing to pay for it.

    Comparable approach

    Comparable estimate is based on recent sales of similar nearby properties, adjusted for factors like size, condition, and location.

    Relative

    Relative property class coefficient uses factors that account for typical price differences between various asset types (e.g., retail vs. industrial) to provide a more accurate market-aligned estimate.

    Geo

    Comparable Sales Method, enhanced by Geo coefficients — location-based adjustment factors that reflect differences in price levels across neighborhoods, cities, or regions ensuring a more accurate, market-sensitive valuation.

    Stat Estimate

    This method estimates value based on actual market adjusted recent (~5 years) sales of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all similar sales ($/sqft) are above this value
    • Range-to: 75% of all similar sales ($/sqft) are below this value
    AI Estimate

    This method estimates value based on AI market estimation of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all estimations ($/sqft) are above this value
    • Range-to: 75% of all estimations ($/sqft) are below this value
    Alternative use

    Estimate considers the property’s potential value if used for a different purpose-based on zoning, demand, and market feasibility.

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