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305 Sting Ray Court, Guyton, GA, 31312

4beds
4baths
3,403sqft
$599,900
$176price/sqft
$4,093/moest. monthly cost
$163,720/yrincome needed

About This Home

Experience lakefront living at it's best in this beautiful 4-bedroom, 3.5-bath home set on a large, private lot with breathtaking water views throughout. Designed for both comfort and entertaining, the home features a spacious living room and an open-concept kitchen that flows seamlessly into the breakfast area and den—perfect for everyday living and gathering with friends and family. Natural light fills the main living spaces, highlighting the serene setting and making the views a constant backdrop. Step outside to your own backyard oasis with an in-ground pool, plenty of space to relax or host, and direct lakefront enjoyment. Whether you’re sipping coffee by the water or enjoying sunsets from the poolside, this home offers a true retreat. Located in a highly desirable area with top-rated schools and a convenient location near shopping, dining, and major routes, this property delivers the ideal combination of privacy, lifestyle, and convenience.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
7/10

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Raised,Slab
  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Disposal,Microwave,Oven,Range,Refrigerator
  • Laundry features: Laundry Room,Washer Hookup,Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Attic,Breakfast Area,Tray Ceiling(s),Double Vanity,Entrance Foyer,Gourmet Kitchen,Garden Tub/Roman Tub,High Ceilings,Main Level Primary,Primary Suite,Pull Down Attic Stairs,Split Bedrooms,Separate Shower
  • Fireplace features: Great Room,Wood Burning Stove
  • Fireplace: Yes
  • Attic: Pull Down Stairs,Walk-In

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Electric,Heat Pump

Interior Area

  • Total interior livable area: 3,403 sqft

Property

Details

  • Parcel number: 0436B00000076000
  • Zoning: R-1
  • Special condition: Standard

Features

  • Pool features: In Ground
  • Patio & porch: Deck
  • Exterior features: Deck
  • Fencing: Decorative,Metal,Yard Fenced
  • Has view: Yes
  • View description: Lake,Trees/Woods
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake

Lot

  • Lot size: 1.29 Acres
  • Features: Back Yard,Cul-De-Sac,Private,Sprinkler System

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Kitchen Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    HurricaneRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Heat Wave
Inland Flooding
Lightning
Cold Wave
Strong Wind
Tornado
Wildfire
Winter Weather

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 $3,033$36,396
Home Insurance *$286$3,432
Property Taxes $444$5,328
Electricity $330$3,967
Total$4,093$49,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,331/yr
40% on housing$122,790/yr
45% on housing$109,146/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

$176This 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)

Price History

DateEventPrice
2026-04-03Price change$599,900
2026-01-29Listed for sale$619,900
2021-03-24Listing removed--
2019-06-22Listing removed$384,900
2019-06-01Price change$384,900
2019-01-17Listed for sale$385,200
2014-12-19Listing removed$385,000
2014-07-26Listed for sale$385,000

For Sale by Agent

AgentChristine Q. Durrence
BrokerageKeller Williams Coastal Area P

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