What is the first step in buying a home in Coastal Georgia?

The first step in buying a home is getting pre-qualified for a home loan with a mortgage lender. Once pre-qualified, you will know your exact purchasing budget and estimated monthly payment. Whether you are using a Conventional, FHA, or $0-down VA loan for a military relocation, your lender and Realtor will guide your search with total confidence.

Why do I need a lender pre-qualification letter before touring homes?

In Coastal Georgia's active real estate market, desirable homes receive rapid inquiries. When you find the right property, submitting your lender pre-qualification letter alongside your purchase offer proves to the seller that you are financially qualified and ready to close without financing delays.

What are closing costs and who pays them in Georgia?

Closing costs are standard expenses associated with purchasing or selling real estate, including lender loan origination, property appraisal, title search, attorney settlement fees, and prorated property taxes. In Georgia, buyers pay loan-related costs while sellers typically cover deed transfer taxes and commission fees. Closing cost contributions can also be negotiated into purchase contracts.

How does the due diligence period work in a Georgia purchase contract?

In Georgia real estate contracts, the due diligence period is an agreed-upon timeframe (typically 7 to 14 days) allowing the buyer to conduct home inspections, review HOA documents, and assess neighborhood conditions. During this period, the buyer retains the unilateral right to terminate the contract for any reason and receive a 100% refund of their earnest money deposit.

How can military families utilize VA loans and BAH near Fort Stewart and Hunter AAF?

Eligible active-duty military service members, veterans, and military spouses stationed at Fort Stewart, Hunter Army Airfield, or NSB Kings Bay can purchase a home with $0 down payment and no private mortgage insurance (PMI). Monthly payments can be structured around local Basic Allowance for Housing (BAH) rates across Richmond Hill, Hinesville, Pooler, and Savannah.

What is my Coastal Georgia home worth and how is market value determined?

Your home's true market value is determined by recent comparable sales ('comparable sales') of similar properties within your subdivision or immediate area, current active MLS competition, buyer demand, property condition, and square footage. Use our instant home value estimator on 912BuySell.com for an initial calculation, or request a detailed comparative market analysis (CMA).

What are the most effective strategies to sell a home fast for top dollar in Georgia?

Selling for the highest price requires strategic initial MLS pricing, professional photography, digital syndication across all major buyer portals, and targeted marketing to local and military buyers. Accurate pricing during the first two weeks on market generates maximum buyer competition and stronger purchase offers.

How can out-of-state buyers or military buyers PCSing to Georgia purchase a home remotely?

Remote home buying is seamless with our team. We provide live interactive HD video walkthroughs, high-resolution photo packages, neighborhood drive-throughs, digital contract signing via DocuSign, and remote closing coordination with local Georgia real estate settlement attorneys.

What is the first step in buying a home in Coastal Georgia?

The first step in buying a home is getting pre-qualified for a home loan with a mortgage lender. Once pre-qualified, you will know your exact purchasing budget and estimated monthly payment. Whether you are using a Conventional, FHA, or $0-down VA loan for a military relocation, your lender and Realtor will guide your search with total confidence.

Why do I need a lender pre-qualification letter before touring homes?

In Coastal Georgia's active real estate market, desirable homes receive rapid inquiries. When you find the right property, submitting your lender pre-qualification letter alongside your purchase offer proves to the seller that you are financially qualified and ready to close without financing delays.

What are closing costs and who pays them in Georgia?

Closing costs are standard expenses associated with purchasing or selling real estate, including lender loan origination, property appraisal, title search, attorney settlement fees, and prorated property taxes. In Georgia, buyers pay loan-related costs while sellers typically cover deed transfer taxes and commission fees. Closing cost contributions can also be negotiated into purchase contracts.

How does the due diligence period work in a Georgia purchase contract?

In Georgia real estate contracts, the due diligence period is an agreed-upon timeframe (typically 7 to 14 days) allowing the buyer to conduct home inspections, review HOA documents, and assess neighborhood conditions. During this period, the buyer retains the unilateral right to terminate the contract for any reason and receive a 100% refund of their earnest money deposit.

How can military families utilize VA loans and BAH near Fort Stewart and Hunter AAF?

Eligible active-duty military service members, veterans, and military spouses stationed at Fort Stewart, Hunter Army Airfield, or NSB Kings Bay can purchase a home with $0 down payment and no private mortgage insurance (PMI). Monthly payments can be structured around local Basic Allowance for Housing (BAH) rates across Richmond Hill, Hinesville, Pooler, and Savannah.

What is my Coastal Georgia home worth and how is market value determined?

Your home's true market value is determined by recent comparable sales ('comparable sales') of similar properties within your subdivision or immediate area, current active MLS competition, buyer demand, property condition, and square footage. Use our instant home value estimator on 912BuySell.com for an initial calculation, or request a detailed comparative market analysis (CMA).

What are the most effective strategies to sell a home fast for top dollar in Georgia?

Selling for the highest price requires strategic initial MLS pricing, professional photography, digital syndication across all major buyer portals, and targeted marketing to local and military buyers. Accurate pricing during the first two weeks on market generates maximum buyer competition and stronger purchase offers.

How can out-of-state buyers or military buyers PCSing to Georgia purchase a home remotely?

Remote home buying is seamless with our team. We provide live interactive HD video walkthroughs, high-resolution photo packages, neighborhood drive-throughs, digital contract signing via DocuSign, and remote closing coordination with local Georgia real estate settlement attorneys.

Property Back to Results Property

223 Cardinal Cir W, St. Marys, GA 31558

$390,000
: 3
BD
: 2
BA
: 1,809
SqFt

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List Price: $390,000
Status: ACTIVE
Days on Market: 146
MLS#: 2000768
Subtype: Residential
Style: Contemporary
Year Built: 1998
Bedrooms: 3
Bathrooms: 2
Full Baths: 2
Living Area: 1,809
Lot Size: 14,374
Acres: 0.33
Subdivision: Osprey Cove
Neighborhood: C1: South Camden County
MLS Area Major: C1: South Camden County

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Property Description

Discover comfortable coastal living in Osprey Cove, one of coastal Georgia's premier gated golf communities. This well maintained 3 bedroom, 2 bath home offers 1,809 square feet of thoughtfully designed living space with a desirable split bedroom floor plan and move-in ready condition. The spacious great room features a wood burning fireplace and opens to a screened patio overlooking a private backyard, creating the perfect setting for relaxing or entertaining. The adjoining dining area and kitchen with new stainless steel appliances provide a functional and inviting space for everyday living. The primary suite serves as a private retreat with two walk-in closets and an ensuite bath featuring double vanities, a soaking tub and separate walk-in shower. Two additional bedrooms and a full bath are situated on the opposite side of the home, offering privacy for family and guests. Additional features include a dedicated laundry room, alarm system, private irrigation well and mature, low-maintenance landscaping. Lovingly cared for throughout the years, this home offers an exceptional opportunity to enjoy the Osprey Cove lifestyle in a manageable, easy-to-maintain residence. Optional membership to The Club at Osprey Cove provides access to outstanding amenities, including a Mark McCumber-designed golf course, Har-Tru tennis courts, fitness center, swimming pool, walking trails and community boat dock. Conveniently located minutes from NSB Kings Bay, the Golden Isles, Amelia Island beaches, Jacksonville International Airport, shopping, dining, and coastal recreation.

912-289-7355

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Additional Information

Interior Features: Ceiling Fans, Primary Suite, Split Bedroom
HOA Fee: $897
Property Description: Contemporary
Flooring: Carpet, Tile
Appliances: Dryer, Dishwasher, Oven, Range, Refrigerator, Washer, Water Softener Owned
Heating: Central, Electric
Air Conditioning: Central Air, Ceiling Fan(s), Electric
Roof: Composition
Foundation: Slab
Parking Features: Attached
Garage Spaces: 2
Elementary School: Mary Lee Clark
Middle School: St. Marys Middle School
High School: Camden County