109 E Church Street
Saint Marys, GA, 31558 $ 419,900
Bedrooms3 Baths2.0 Sq 1,320 Monthly Estimate*
$ 2,900
for $419,900 with 3 bedrooms and 2 full baths. This 1,320 square foot home was built in 1960 on a lot size of 0.53.
NEW PRICE - $429,000 | DOWNTOWN ST. MARYS 109 E. Church Street, St. Marys, GA 3 Bedrooms | 2 Baths | 0.53 Acre CHARACTER. WALKABILITY. SPACE. LOCATION. Welcome to 109 E. Church Street, where the charm of an established St. Marys home meets one of its best features-great walkability to downtown and the waterfront. Situated on a beautiful 0.53-acre lot beneath mature oaks, this property offers something increasingly difficult to find: more than half an acre combined with the convenience of downtown living. Leave the car at home and enjoy being able to walk to the St. Marys waterfront, downtown restaurants, shops, community events and local attractions. It's the kind of location that makes it easy to enjoy the St. Marys lifestyle every day. Inside, the home is filled with character, including hardwood floors, tongue-and-groove details, plantation shutters, built-in cabinetry, and a decorative faux fireplace that creates a warm focal point in the living space. The kitchen features newer appliances and flooring, while the cozy den provides access to an upgraded screened porch-an inviting additional living area for morning coffee, reading, entertaining, or simply enjoying the coastal Georgia weather. Outside, the 0.53-acre propertyprovides mature landscaping, established trees and plenty of usable space. There is room for RV or boat parking, along with a substantial 21' x 30' multi-purpose outbuilding offering possibilities for storage, a workshop, hobbies, recreation, or other uses. The home also has a history as a successful 5-star Airbnb and VRBO vacation rental, adding another possibility for buyers interested in a second home or investment property.* Whether you're searching for a primary residence, coastal getaway, second home, or investment property, 109 E. Church Street offers a combination that is hard to duplicate: Walk to downtown and the waterfront. Come home to more than half an acre, mature oaks, Southern character, a large outbuilding and room for your boat or RV. 109 E. Church Street, St. Marys, Georgia Come experience the location and lifestyle for yourself. Schedule your private showing today!
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Single Family ActiveBungalow/Cottage, Traditional
FeaturesGeneralSewer Public Sewer
Heating Central
Cooling Ceiling Fan(s) Central Air
Utilities Cable Available Electricity Available Phone Available Sewer Connected
Roof Composition
Appliances Dishwasher Gas Water Heater Range Refrigerator Stainless Steel Appliance(s) Tankless Water Heater
Association Fee Includes None
Patio/Porch Features Porch Screened
Architectural Style Bungalow/Cottage Traditional
Construction Materials Block Wood Siding
Year Built 1960
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Community Features Street Lights Walk To Schools Near Shopping
County Camden
New Construction false
Property Type Residential
HOA false
Attached Garage false
Subdivision Name NONE
Garage Y/N true
Other Structures Garage(s)
Full Baths 2
Status Active
Directions Hwy 40 to Osborne to downtown St Marys. Make a left onto Church St. Home is second on the left directly across from St Marys Elementary.
High School Camden
City St. Marys
Lot Size Units Square Feet
Lot Size Square Feet 23086.8
Carport Y/N false
Elementary School Saint Marys
Land Lease Y/N false
Tax Annual Amount 3257.36
Home Warranty Y/N false
Middle/Junior High School Saint Marys
Property Condition Resale
Structure Type House
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
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InteriorInterior Amenities Bookcases Master On Main Level
Basement None
Flooring Hardwood Laminate Tile
Total Fireplaces 1
Fireplace Features Living Room
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N true
Above Grade Finished Area 1320
Half Baths 0
Laundry Features Laundry Closet
Total Bedrooms 3
Below Grade Finished Area 0
Main Level Bedrooms 3
Main Level Bathrooms 2
Below Grade Finished Area Unit Type Square Feet
Above Grade Finished Area Unit Type Square Feet
Kitchen Features Breakfast Area Breakfast Room Solid Surface Counters
Total Baths 2
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ExteriorFencing Back Yard Chain Link Front Yard
Parking Features Garage Detached Side/Rear Entrance
Lot Features City Lot
Water Source Public
Total Parking 2
Lot Size Area 23086.8
Foundation Details Pillar/Post/Pier
Building Area Total 1320
Lot Size Acres 0.53
Lot Size Source Public Records
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* Excluded FeaturesList ByColdwell Banker Access RealtyBroker
carriegayrealtor@gmail.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $2,900
- Monthly Property Taxes
- $271
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Saint Marys, GA
Average List Price $517,252
Percent of Sale Price 23%
About Saint Marys, GA 17,756 Population
25% Since 2002
$ 55,938 Median Income
34.07 Median Age
37% Households with Children
Trends Information provided by ATTOM Data Solutions.
0 Elementary School
0 Middle School
Camden High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 10/6/2026 | $419,900 | -2.12% | Price Down |
| 9/11/2026 | $429,000 | -0.21% | Price Down |
| 9/9/2026 | $429,900 | -6.34% | Price Down |
| 7/22/2026 | $459,000 | | Listed Price |