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221 Saint Pauls Road, Guyton, GA, 31312

5beds
4baths
3,013sqft
$550,000
$183price/sqft
$3,743/moest. monthly cost
$149,720/yrincome needed

About This Home

A refined, modern take on Lowcountry living, this exceptionally well-maintained residence in St. Matthews Place offers over 3,000 square feet of thoughtfully designed space. The layout delivers open living areas, a well-appointed kitchen with granite surfaces and custom finishes, and a split-bedroom plan featuring a private guest suite and a spacious primary retreat with double vanities, soaking tub, and separate shower. The defining feature is a true three-season backyard retreat—vaulted ceilings, exposed beams, and floor-to-ceiling screens create a seamless indoor-outdoor setting designed for year-round enjoyment. Additional highlights include a 500 sq ft bedroom and theater addition, a 25x25 garage, spray foam insulation, full irrigation, curated landscaping, and established Zoysia grass that makes you want to take your shoes off and walk around in. Set on over half an acre in Effingham County, just minutes to Pooler, I-16, I-95, and Savannah, with access to highly regarded schools. Opportunities like this are rare—schedule your private showing before it’s gone.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Marlow Elementary SchoolGrades PK-51.8 mi
8/10
7/10

Construction

Condition

  • Property condition: New Construction
  • Year built: 2006

Materials

  • Foundation: Slab
  • Roof: Other
  • Construction materials: Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Breakfast Bar,Breakfast Area,Tray Ceiling(s),Double Vanity,High Ceilings,Kitchen Island,Primary Suite,Tub Shower,Vaulted Ceiling(s)
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room,Ventless
  • Fireplace: Yes
  • Attic: None

Heating & Cooling

  • Heating features: Other
  • Cooling features: Other

Interior Area

  • Total interior livable area: 3,013 sqft

Property

Details

  • Parcel number: 0375D00000021000
  • Zoning: R-1
  • Special condition: Standard

Features

  • Pool features: In Ground
  • Patio & porch: Patio,Deck,Front Porch
  • Exterior features: Deck
  • Fencing: Wood,Yard Fenced
  • Has view: Yes
  • View description: Panoramic

Lot

  • Lot size: 0.51 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Hurricane
Heat Wave

FEMA Declared Disasters Across Georgia Counties

Hurricane
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,781$33,372
Home Insurance *$263$3,156
Property Taxes $407$4,884
Electricity $292$3,512
Total$3,743$44,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,331/yr
40% on housing$112,290/yr
45% on housing$99,813/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.5%
5.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$183This listing

vs Other Active Listings

Avg $/sqft

ZIP 31312$156
Effingham County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 31312$184
Effingham County$188

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-01Listed for sale$550,000
2021-06-29Sold$374,900
2021-05-18Contingent$349,900
2021-05-14Listed for sale$349,900
2006-01-06Sold$57,700

For Sale by Agent

AgentTrisha M. Cook
BrokerageCompass Georgia, LLC

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