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    Cumberland Harbour Homesite Opportunity Title is generated by Realmo AI

    Clubhouse Circle lot 281, Saint Marys, GA 31558

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    Claim this Listing
    For Sale
    $89,900

    LAND - St. Marys, GA

    Lot size:
    0.45 Acres
    Added:
    Dec 5, 2025
    Days on Market:
    163
    Last Refresh:
    May 17 at 7:06 pm

    Property Features for Clubhouse Circle lot 281

    General Information

    Property type
    Land
    Property subtype
    Other
    Standard status
    Active
    APN
    160C 281
    Lot size
    0.45 Acres

    Taxes and HOA fees

    Tax Year
    2025
    Tax Description
    V/L 281 CUMBERLAND HARBOUR P2 SEC B
    Tax Annual Amount
    312

    Utilities

    Sewer type
    Public Sewer
    Water source
    Public

    Building Details

    Additional Structures
    Gazebo

    We can help!

    Listing Contact
    Harmony Jones

    Listing agent Harmony Jones License #384327

    Listing office Monarch and Third Real Estate 163 Village Green Ln, Waverly, GA

    Listing date Dec 5, 2025

    MLS# 1658329 Listing URL

    Copyright © 2026 Golden Isles Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

    HighLights

    • Large 0.45‑acre homesite in the gated community of Cumberland Harbour.
    • Enjoy resort‑style amenities including three swimming pools, fitness center, tennis and pickleball courts, and walking trails.
    • No flood insurance required.
    • Direct access to the Intracoastal Waterway and community day dock.
    • Conveniently located minutes from historic St. Marys, shops, restaurants, and top‑rated schools.
    • Easy access to I‑95, Kings Bay Naval Base, and Jacksonville International Airport.

    Overview

    This 0.45-acre homesite presents an exceptional opportunity to build a coastal dream home within the premier gated community of Cumberland Harbour. The lot is situated in an area that does not require flood insurance. Cumberland Harbour is known for its resort-style amenities, designed for comfort, wellness, and recreation. Residents have access to three swimming pools, a fully equipped fitness center, tennis and pickleball courts, walking and biking trails, and parks and green spaces. The community offers direct access to the Intracoastal Waterway via a community day dock. The homesite is located minutes from historic downtown St. Marys, shops and restaurants, schools, and the ferry to Cumberland Island National Seashore. Easy access to I-95, Kings Bay Naval Base, and Jacksonville International Airport facilitates commuting and travel. This Cumberland Harbour lot is suitable for crafting a coastal retreat.
    Property Profile Insight Report Location Intelligence

    Current Use by Public Records

    Residential land & home ...

    Map

    City
    Saint Marys
    County
    Camden
    State
    Georgia
    Longitude
    -81.513369
    Latitude
    30.742728

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    FAQs

    What type of property is this?
    Residential land & home lot - 0.45-acre homesite in gated community with resort-style amenities.
    Where is this residential land & home lot located?
    The property is located at Clubhouse Circle lot 281 Saint Marys, GA.
    What is the asking price?
    The asking price for this property is $89,900.
    What are key features of this property?
    This property features: Large 0.45‑acre homesite in the gated community of Cumberland Harbour.; Enjoy resort‑style amenities including three swimming pools, fitness center, tennis and pickleball courts, and walking trails.; No flood insurance required.
    (706) 587-9563
    We can help!
    Listing Contact
    Harmony Jones
    Real Estate License ID: 384327
    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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