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

21 Horton Way, St. Simons Island, GA 31522

$699,900
: 5
BD
: 3
BA
: 2,400
SqFt

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List Price: $699,900
Status: ACTIVE
Days on Market: 50
Price Change: ▼ $50,000 1793930296
MLS#: 2002670
Subtype: Residential
New Construction: Yes
Year Built: 2026
Bedrooms: 5
Bathrooms: 3
Full Baths: 2
Half Baths: 1
Living Area: 2,400
Lot Size: 6,534
Acres: 0.15
Subdivision: Village Bluff
Neighborhood: S4: North SSI
MLS Area Major: S4: North SSI

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Property Description

Brand-new construction with no HOA, no short-term rental restrictions, and located in an X Flood Zone! This beautifully designed 2,400-square-foot home offers 5 bedrooms and 2.5 bathrooms, with quality finishes and thoughtful details throughout. A covered front porch welcomes you into the foyer, leading to a spacious living room featuring impressive 12-foot ceilings and a gas fireplace. The kitchen is equipped with white shaker cabinetry, a pantry, large island, and stainless steel appliances, including a 36-inch gas range, and opens to the adjoining dining area. The main-level primary suite offers a relaxing retreat with dual vanities, a walk-in closet, and a large tiled shower. LVP flooring runs throughout the home for a clean, cohesive look and easy maintenance. Upstairs, you'll find two additional bedrooms, a full bathroom, and a versatile bonus room that can be used as a fifth bedroom, home office, media room, or flex space. Exterior features include a durable HardiePlank exterior, two-car garage, fenced yard, and irrigation system. Construction is expected to be completed in January 2027. With its spacious floor plan, modern finishes, flexible living spaces, and desirable rental-friendly features, this new construction home offers an excellent opportunity for those looking for a move-in-ready home with modern amenities and flexibility.

912-289-7355

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Additional Information

Interior Features: Ceiling Fans, Double Vanity, High Ceilings, Pantry, Recessed Lighting, Walk-In Closet(s), Shower Only, Tub Shower, Primary Downstairs, Primary Suite, Kitchen Island
Exterior Features: Columns, Private Yard
Flooring: Vinyl
Appliances: Dishwasher, Gas Range, Microwave, Oven, Refrigerator
Heating: Central
Air Conditioning: Central Air, Ceiling Fan(s)
Roof: Shingle
Foundation: Slab
Parking Features: Attached, Driveway
Garage Spaces: 2
Elementary School: Oglethorpe
Middle School: Glynn Middle School
High School: Glynn Academy