Coastal Georgia Homes
Explore Interactive Map View

Buying a Home Under $450K in Osprey Cove (St. Marys, GA)

What $450K Buys in Gated Osprey Cove

Homebuyers shopping under $450K in Osprey Cove in St. Marys, GA can compare low-maintenance golf villas, preserve-view ranch homes, and custom brick fairway residences inside a 24-hour guarded gate.

Explore our Osprey Cove subdivision guide or browse all St. Marys subdivisions.

Switch Osprey Cove Price Ceilings

Compare every Osprey Cove price tier: Under $450K, Under $550K, Under $700K, or All Osprey Cove Homes.

Also comparing Laurel Island Plantation (Kingsland) or Golden Isles Golf Communities? Visit All Coastal Georgia Golf Communities.

Request a Custom Osprey Cove (St. Marys) Property List
502 Cardinal Cir E, St. Marys
$445,000
3 Beds ⋅ 2 Baths ⋅ 2003499 MLS
THIS BEAUTIFULLY UPDATED THREE-BEDROOM HOME IN OSPREY COVE IS SURE TO IMPRESS! DESIGNED WITH AN OPEN-CONCEPT LAYOUT, THE EXPANSIVE LIVING AREA IS IDEAL FOR ENTERTAINING AND EVERYDAY COMFORT. THE EAT-IN KITCHEN FEATURES A LARGE ISLAND BAR OVERLOOKING THE FAMILY ROOM, COMPLETE WITH A GAS RANGE, RANGE HOOD, AND STUNNING QUARTZ COUNTERTOPS OFFERING PLENTY OF PREP SPACE. NATURAL LIGHT FILLS THE LIVING AREAS, WHETHER YOU'RE ENJOYING A CASUAL BREAKFAST IN THE NOOK OR HOSTING DINNER IN THE FORMAL DINING ROOM. STEP OUTSIDE TO THE SCREENED LANAI FOR YOUR MORNING COFFEE WHILE TAKING IN PEACEFUL LAKE VIEWS AND THE GREEN FOR HOLE #1. THE EXTERIOR IS JUST AS INVITING WITH A BRICK PAVER PATIO, IRRIGATION SYSTEM, AND A NEW ROOF FOR PEACE OF MIND. RETREAT TO THE SPACIOUS PRIMARY SUITE FEATURING A SOAKING TUB, TILED SHOWER, DUAL VANITY, AND GENEROUS WALK-IN CLOSET. THIS SPLIT FLOOR PLAN ALSO OFFERS TWO ADDITIONAL BEDROOMS AND A FULL BATH FOR GUESTS OR FAMILY. ADDITIONAL UPGRADES INCLUDE A NEW HVAC SYSTEM, FRESH INTERIOR PAINT, AND A NEW WASHER AND DRYER IN THE INDOOR LAUNDRY/MUD ROOM. BONUS: NO FLOOD INSURANCE REQUIRED! RESIDENTS OF OSPREY COVE CAN CHOOSE TO JOIN THE EXCLUSIVE CLUB, OFFERING RESORT-STYLE AMENITIES SUCH AS A POOL, FITNESS CENTER, TENNIS COURTS, 18-HOLE CHAMPIONSHIP GOLF COURSE, BOAT AND RV STORAGE, COMMUNITY BOAT RAMP, AND DAY DOCK. THE ON-SITE CLUBHOUSE FEATURES A RESTAURANT WITH INDOOR AND OUTDOOR SEATING OVERLOOKING THE WATER AND GOLF COURSE, PLUS A TIKI HUT BAR BY THE POOL. HOA DUES INCLUDE 24/7 GATED SECURITY AND YEAR-ROUND MAINTENANCE OF ALL COMMON AREAS. MOVE-IN READY AND EASY TO SHOW-SCHEDULE YOUR PRIVATE TOUR TODAY AND EXPERIENCE THE EXCEPTIONAL LIFESTYLE THAT OSPREY COVE HAS TO OFFER!

502 Cardinal Cir E, St. Marys

Listing courtesy of Coldwell Banker Access Realty KGLD.

502 Cardinal Circle E, St. Marys
$445,000
3 Beds ⋅ 2 Baths ⋅ 10888581 MLS
THIS BEAUTIFULLY UPDATED THREE-BEDROOM HOME IN OSPREY COVE IS SURE TO IMPRESS! DESIGNED WITH AN OPEN-CONCEPT LAYOUT, THE EXPANSIVE LIVING AREA IS IDEAL FOR ENTERTAINING AND EVERYDAY COMFORT. THE EAT-IN KITCHEN FEATURES A LARGE ISLAND BAR OVERLOOKING THE FAMILY ROOM, COMPLETE WITH A GAS RANGE, RANGE HOOD, AND STUNNING QUARTZ COUNTERTOPS OFFERING PLENTY OF PREP SPACE. NATURAL LIGHT FILLS THE LIVING AREAS, WHETHER YOU'RE ENJOYING A CASUAL BREAKFAST IN THE NOOK OR HOSTING DINNER IN THE FORMAL DINING ROOM. STEP OUTSIDE TO THE SCREENED LANAI FOR YOUR MORNING COFFEE WHILE TAKING IN PEACEFUL LAKE VIEWS AND THE GREEN FOR HOLE #1. THE EXTERIOR IS JUST AS INVITING WITH A BRICK PAVER PATIO, IRRIGATION SYSTEM, AND A NEW ROOF FOR PEACE OF MIND. RETREAT TO THE SPACIOUS PRIMARY SUITE FEATURING A SOAKING TUB, TILED SHOWER, DUAL VANITY, AND GENEROUS WALK-IN CLOSET. THIS SPLIT FLOOR PLAN ALSO OFFERS TWO ADDITIONAL BEDROOMS AND A FULL BATH FOR GUESTS OR FAMILY. ADDITIONAL UPGRADES INCLUDE A NEW HVAC SYSTEM, FRESH INTERIOR PAINT, AND A NEW WASHER AND DRYER IN THE INDOOR LAUNDRY/MUD ROOM. BONUS: NO FLOOD INSURANCE REQUIRED! RESIDENTS OF OSPREY COVE CAN CHOOSE TO JOIN THE EXCLUSIVE CLUB, OFFERING RESORT-STYLE AMENITIES SUCH AS A POOL, FITNESS CENTER, TENNIS COURTS, 18-HOLE CHAMPIONSHIP GOLF COURSE, BOAT AND RV STORAGE, COMMUNITY BOAT RAMP, AND DAY DOCK. THE ON-SITE CLUBHOUSE FEATURES A RESTAURANT WITH INDOOR AND OUTDOOR SEATING OVERLOOKING THE WATER AND GOLF COURSE, PLUS A TIKI HUT BAR BY THE POOL. HOA DUES INCLUDE 24/7 GATED SECURITY AND YEAR-ROUND MAINTENANCE OF ALL COMMON AREAS. MOVE-IN READY AND EASY TO SHOW-SCHEDULE YOUR PRIVATE TOUR TODAY AND EXPERIENCE THE EXCEPTIONAL LIFESTYLE THAT OSPREY COVE HAS TO OFFER!

502 Cardinal Circle E, St. Marys

Listing courtesy of Coldwell Banker Access Realty.

1420 Tanager Trail, St. Marys
$389,750
4 Beds ⋅ 3 Baths ⋅ 10885938 MLS
SPACE, FLEXIBILITY & A PEACEFUL SETTING IN OSPREY COVE! This thoughtfully designed 4-bedroom home offers a versatile floor plan, beautiful indoor-outdoor living, and a fenced backyard overlooking natural green space. A charming brick courtyard leads to the welcoming foyer and formal dining room before opening into the spacious main living area with tray ceilings, abundant natural light, and sliding glass doors to the screened porch. The kitchen overlooks the living room and features quartz countertops, upgraded appliances, a breakfast area, and backyard views. The oversized owner's retreat features tray ceilings, a large walk-in closet, and a spacious bath with double vanities, corner jetted Whirlpool tub, separate tiled shower, and private water closet. Two additional bedrooms offer even more flexibility, including one with double French doors currently used as a home office. The fourth bedroom is a standout feature, privately positioned near the garage with both interior access and its own separate exterior entrance. Currently used as a home gym, with workout equipment remaining, this space includes a private bath with custom corner steam shower and double vanity, plus an adjoining flex room ideal for a sitting area, dressing room, walk-in closet, office, or additional storage. Step outside to the screened porch and enjoy the fenced backyard and peaceful green-space backdrop. Located in the sought-after Osprey Cove golf community, HOA/landscaping fees include lawn maintenance, lawn treatments, and flower bed care, with owners responsible for mulch. Golf, clubhouse, pool, tennis, and additional amenities are available through optional Golf Club membership. Convenient to I-95, Kings Bay Submarine Base, shopping, dining, and schools, with access to Jacksonville, Brunswick, Jekyll Island, St. Simons Island, and Jacksonville International Airport. A distinctive floor plan, private outdoor setting, and flexible spaces make this Osprey Cove home one you'll want to see!

1420 Tanager Trail, St. Marys

Listing courtesy of ERA Kings Bay Realty.

1420 Tanager Trl, St. Marys
$389,750
4 Beds ⋅ 3 Baths ⋅ 2003422 MLS
SPACE, FLEXIBILITY & A PEACEFUL SETTING IN OSPREY COVE! This thoughtfully designed 4-bedroom home offers a versatile floor plan, beautiful indoor-outdoor living, and a fenced backyard overlooking natural green space. A charming brick courtyard leads to the welcoming foyer and formal dining room before opening into the spacious main living area with tray ceilings, abundant natural light, and sliding glass doors to the screened porch. The kitchen overlooks the living room and features quartz countertops, upgraded appliances, a breakfast area, and backyard views. The oversized owner's retreat features tray ceilings, a large walk-in closet, and a spacious bath with double vanities, corner jetted Whirlpool tub, separate tiled shower, and private water closet. Two additional bedrooms offer even more flexibility, including one with double French doors currently used as a home office. The fourth bedroom is a standout feature, privately positioned near the garage with both interior access and its own separate exterior entrance. Currently used as a home gym, with workout equipment remaining, this space includes a private bath with custom corner steam shower and double vanity, plus an adjoining flex room ideal for a sitting area, dressing room, walk-in closet, office, or additional storage. Step outside to the screened porch and enjoy the fenced backyard and peaceful green-space backdrop. Located in the sought-after Osprey Cove golf community, HOA/landscaping fees include lawn maintenance, lawn treatments, and flower bed care, with owners responsible for mulch. Golf, clubhouse, pool, tennis, and additional amenities are available through optional Golf Club membership. Convenient to I-95, Kings Bay Submarine Base, shopping, dining, and schools, with access to Jacksonville, Brunswick, Jekyll Island, St. Simons Island, and Jacksonville International Airport. A distinctive floor plan, private outdoor setting, and flexible spaces make this Osprey Cove home one you'll want to see!

1420 Tanager Trl, St. Marys

Listing courtesy of ERA Kings Bay Realty.

1604 Sandpiper Court, St. Marys
$339,850
3 Beds ⋅ 2 Baths ⋅ 10883758 MLS
Welcome to The Sanctuary at Osprey Cove, where low-maintenance living, beautiful surroundings, and exceptional amenities come together! This beautifully maintained 3-bedroom, 2-bath home offers a desirable split-bedroom floor plan, spacious living areas, and valuable upgrades, including a whole-house Generac generator, water purification/softener system, NEW HVAC installed January 2024, and NEW bedroom carpeting installed November 2024! Step inside to discover an inviting open-concept design featuring ceilings over 9 feet, tile flooring throughout the main living areas, and abundant natural light. The spacious great room is highlighted by a cozy gas fireplace flanked by custom built-in bookshelves, creating a welcoming space for relaxing or entertaining. The adjoining kitchen features granite countertops, beautiful custom wood cabinetry, generous workspace, and a breakfast area with a custom built-in hutch and wine rack. A separate formal dining room provides additional space for gatherings and special occasions. Just beyond the breakfast area, the enclosed, heated and cooled sunroom offers additional year-round living space overlooking the backyard, perfect for morning coffee, reading, or simply enjoying the peaceful setting. The private primary suite is tucked away at the rear of the home and features a tray ceiling, backyard views, walk-in closets, and an ensuite bath with double vanities and a spacious tiled walk-in shower complete with multiple showerheads and body sprays for a spa-inspired experience. Two additional bedrooms are thoughtfully positioned on the opposite side of the home for added privacy. One features French doors and is currently used as a home office, offering flexibility for a den, library, or guest bedroom. A full guest bath and separate interior laundry room complete the functional floor plan. Enjoy the convenience of lawn maintenance without the hassle of mowing! The Sanctuary provides lawn care through a separate mandatory lawn maintenance fee, included in the HOA dues listed See Community Association Disclosure uploaded in Documents. Owners are responsible for maintaining the mulch or pine straw in their landscape beds. HOA dues cover the gated entrances, 24-hour security, private roads, and common areas. Located within the prestigious gated Osprey Cove community, residents have the opportunity to enjoy additional resort-style amenities through separately purchased club memberships. Social membership provides access to the swimming pool, tennis facilities, fitness center, and clubhouse with restaurant. Golf memberships are also available, with golf access subject to current club membership requirements. Location is another outstanding advantage! Just minutes from Kings Bay Naval Submarine Base, Historic Downtown St. Marys, Kingsland, and I-95, with convenient access to Jacksonville International Airport, shopping, dining, and the beautiful beaches of coastal Georgia and Northeast Florida. Discover the comfort, convenience, and coastal Georgia lifestyle waiting for you in The Sanctuary at Osprey Cove!

1604 Sandpiper Court, St. Marys

Listing courtesy of ERA Kings Bay Realty.

1604 Sandpiper Ct, St. Marys
$339,850
3 Beds ⋅ 2 Baths ⋅ 2003370 MLS
Welcome to The Sanctuary in Osprey Cove, where low-maintenance living meets thoughtful upgrades in this 3-bedroom, 2-bath home. Recent improvements include a new HVAC (Jan 2024), new bedroom carpet (Nov 2024), Generac generator, and whole-home water purification system. The open layout features 9+ ft ceilings, tile floors, and a spacious kitchen with granite countertops and custom cabinetry. The breakfast area includes a built-in hutch with wine rack and opens to a heated and cooled sunroom. The great room offers a gas fireplace with built-ins, plus a separate dining area for entertaining. The split floor plan provides privacy, with a light-filled owner’s suite featuring tray ceilings, walk-in closets, and a tiled shower with multiple shower heads. Two additional bedrooms sit on the opposite side, including one with French doors—perfect for an office. Enjoy easy living with lawn care included, along with 24-hour gated security and maintained common areas. Optional golf and social memberships provide access to the pool, tennis, fitness center, and clubhouse. Conveniently located near Kings Bay Naval Base, Historic St. Marys, I-95, beaches, and Jacksonville International Airport. Schedule your showing today!

1604 Sandpiper Ct, St. Marys

Listing courtesy of ERA Kings Bay Realty.

104 Chinquapin Drive, St. Marys
$359,500
3 Beds ⋅ 2 Baths ⋅ 10880139 MLS
Welcome to 104 Chinquapin Drive, located in the beautiful gated community of Osprey Cove in St. Marys, Georgia! This inviting home offers 3 bedrooms, 2 bathrooms, and two additional bonus rooms, providing plenty of flexibility for a home office, hobby room, guest space, or whatever fits your lifestyle. Inside, you'll find granite countertops, stainless steel appliances, and tile flooring throughout the main living areas. The spacious primary suite offers a relaxing retreat, complete with a soaking tub and a beautifully tiled walk-in shower. One of the home's most enjoyable features is the screened-in lanai overlooking the water. Whether you're enjoying your morning coffee, watching the wildlife, or unwinding after a long day, this peaceful outdoor space is sure to become a favorite. Osprey Cove is known for its beautiful surroundings, mature landscaping, and welcoming coastal atmosphere. Residents have the option to purchase additional club memberships, offering access to amenities such as golf, swimming, fitness facilities, and social activities, subject to membership availability and fees. Conveniently located near shopping, dining, Kings Bay Naval Submarine Base, and the beautiful beaches of Amelia Island, this home offers a wonderful opportunity to enjoy coastal Georgia living. Come experience the beauty of Osprey Cove and discover all that 104 Chinquapin Drive has to offer!

104 Chinquapin Drive, St. Marys

Listing courtesy of Coastal Roots Realty.

238 Cardinal Circle W, St. Marys
$420,000
3 Beds ⋅ 2 Baths ⋅ 10857204 MLS
Welcome to 238 Cardinal Circle West, a move-in-ready home ideally situated along the golf course in the desirable Osprey Cove community. Enjoy beautiful golf course views while still maintaining a sense of privacy in the backyard, offering the perfect balance of scenery and seclusion. Recently painted inside and out,, this well-maintained home offers a spacious and functional split-bedroom floor plan. The inviting living area features a fireplace, while the separate dining room provides plenty of space for entertaining. Two generously sized guest bedrooms are located on one side of the home, with the private primary suite thoughtfully positioned on the opposite side. The spacious kitchen offers abundant room for cooking and gathering, along with a comfortable breakfast and seating area overlooking the golf course, a wonderful spot to enjoy your morning coffee while taking in the view. Located within Osprey Cove, one of St. Marys' premier gated golf communities, this home combines a peaceful golf course setting, privacy, and a move-in-ready interior. Conveniently located near shopping, dining, historic downtown St. Marys, Kings Bay Naval Submarine Base, and easy access to I-95, Jacksonville, and the surrounding coastal area. 238 Cardinal Circle West offers the golf course lifestyle without sacrificing backyard privacy and is ready for its next owner to move right in and enjoy.

238 Cardinal Circle W, St. Marys

Listing courtesy of St. Marys Realty Inc.

238 Cardinal Cir W, St. Marys
$420,000
3 Beds ⋅ 2 Baths ⋅ 2002814 MLS
Welcome to 238 Cardinal Circle West, a move-in-ready home ideally situated along the golf course in the desirable Osprey Cove community. Enjoy beautiful golf course views while still maintaining a sense of privacy in the backyard, offering the perfect balance of scenery and seclusion. Recently painted inside and out,, this well-maintained home offers a spacious and functional split-bedroom floor plan. The inviting living area features a fireplace, while the separate dining room provides plenty of space for entertaining. Two generously sized guest bedrooms are located on one side of the home, with the private primary suite thoughtfully positioned on the opposite side. The spacious kitchen offers abundant room for cooking and gathering, along with a comfortable breakfast and seating area overlooking the golf course, a wonderful spot to enjoy your morning coffee while taking in the view. Located within Osprey Cove, one of St. Marys' premier gated golf communities, this home combines a peaceful golf course setting, privacy, and a move-in-ready interior. Conveniently located near shopping, dining, historic downtown St. Marys, Kings Bay Naval Submarine Base, and easy access to I-95, Jacksonville, and the surrounding coastal area. 238 Cardinal Circle West offers the golf course lifestyle without sacrificing backyard privacy and is ready for its next owner to move right in and enjoy.

238 Cardinal Cir W, St. Marys

Listing courtesy of St Marys Realty Inc Island Si.

215 Holm Pl, St. Marys
$435,000
4 Beds ⋅ 4 Baths ⋅ 2002422 MLS
Your Dream Home in Osprey Cove !This 4 bedroom/ 4 bath is perfectly situated in a peaceful cul-de-sac. This beautiful home boasts over 2,500 square feet, offering space for every aspect of your life. Step inside to find a great room as well as two versatile spaces--ideal for a den, home office, or media room. With one multifunctional area on the main floor and another upstairs, you have the flexibility to design your ideal living environment. Open to the great room, the stunning island kitchen, features quartz countertops, a stylish backsplash, and white cabinets paired with stainless steel appliances. The dining area overlooks a private backyard with your own inground heated pool, providing the perfect backdrop for meals and gatherings. Convenience is key with a guest bedroom and full bathroom located on the main floor, while the owner's suite awaits you upstairs. The owner's suite features an expansive bath, complete with a tiled shower, double vanity, and generous walk-in closet. Each bedroom enjoys easy access to a bathroom, and the laundry room is conveniently located nearby. Step outside to relax on the covered patio, perfect for grilling and outdoor entertaining. Additional upgrades include: a geneerac generator, RO water filtration system, HVAC air purification system and garage and a shark coated driveway!

215 Holm Pl, St. Marys

Listing courtesy of Coldwell Banker Access Realty KGLD.

406 Morning Glory Road, St. Marys
$390,000
3 Beds ⋅ 3 Baths ⋅ 10834256 MLS
** MOTIVATED SELLER** Welcome to 406 Morning Glory Rd, a recently remodeled 3-bedroom, 3-bathroom home offering modern updates, valuable major-system improvements, and the benefits of a luxury HOA community. This move-in-ready property combines comfortable living spaces with the peace of mind that comes from several recent upgrades. The home features three spacious bedrooms and three full bathrooms, along with an updated interior designed for both everyday living and entertaining. Recent improvements include a 2-year-old roof, 1-year-old water heater, and a fully serviced HVAC system complete with newly refurbished interior components and fresh mechanical parts. Enjoy the added lifestyle benefits of a luxury HOA, providing residents with an enhanced community experience and access to amenities and services designed to complement the neighborhood lifestyle. Property Features 3 bedrooms 3 full bathrooms Recently remodeled Move-in ready Luxury HOA community Kitchen with modern finishes Updated bathrooms Spacious and functional floor plan Comfortable living areas Generously sized bedrooms Roof approximately 2 years old Water heater approximately 1 year old Fully serviced HVAC system complete with newly refurbished interior components and fresh mechanical parts Recent interior improvements Convenient St. Marys location Close to I95, shopping, dining, parks, and outdoor recreation With its recent remodeling, newer major systems, and luxury HOA setting, 406 Morning Glory Rd offers an attractive combination of comfort, convenience, and community amenities. Schedule your private showing today!

406 Morning Glory Road, St. Marys

Listing courtesy of Coastal Roots Realty.

1643 Sandpiper Ct, St. Marys
$312,000
3 Beds ⋅ 3 Baths ⋅ 2002115 MLS
1643 Sandpiper Ct St. Marys, GA is a 3 bedroom, 3 bathroom home with 2124 sq ft. This home is located in Osprey Cove, one of St. Marys' most desirable gated golf community. This home is located in a cul-de-sac.

1643 Sandpiper Ct, St. Marys

Listing courtesy of Top REO Pros, Inc..

Start Your Search

© 2026 Georgia MLS. All rights reserved. Information Deemed Reliable But Not Guaranteed.

How much is your home worth?

Get instant property value now!