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4217 4th St, Saint Simons Island, GA, 31522

5beds
7baths
5,057sqft
$4,450,001
$880price/sqft
$25,383/moest. monthly cost
$1,015,320/yrincome needed

About This Home

Located on the corner of 4th Street and Dixon Lane in the highly desirable East Beach neighborhood, this newly constructed stucco residence blends timeless Mizner-inspired architecture with refined New York loft-style interiors, offering exceptional flexibility for entertaining, multigenerational living, or coastal retreat use just moments from the shoreline. Designed across three levels and serviced by a private elevator, the home centers around a dramatic main living floor anchored by a striking see-through Pecky Cypress fireplace connecting the great room and dining space. A motorized ceiling-recessed TV lift allows the television to disappear into the ceiling and lower into position in front of the fireplace when desired—preserving the architectural focal point of the room when not in use. The primary living level is thoughtfully arranged with multiple entertaining zones, including: -a statement show kitchen open to the great room and dining area -a separate bar area ideal for serving and gathering -a fully equipped scullery (“dirty kitchen”) tucked behind the main kitchen, allowing prep and cooking to remain concealed while hosting. Also located on the main living level is a primary suite, offering convenience and flexibility for owners or guests who prefer single-level living. The top floor features an additional, larger primary suite designed as a private retreat, complete with a spa-style bath featuring a freestanding soaking tub, separate walk-in shower, and two walk-in closets. This level also includes a private office/study, a bunk room, and two additional spacious bedrooms—each with its own ensuite bath, providing comfort and privacy for family and guests alike. On the pool level, a spacious game room opens directly to the outdoor living areas and features a full additional kitchen, pool bath, and dedicated space for a future sauna. This level is perfectly positioned to serve the pool, hot tub, and grilling areas and can easily function as a private guest suite or in-law apartment if desired. Across the home, approximately 1,500 square feet of covered porches extend the living space outdoors and create multiple shaded gathering areas designed for year-round coastal living. Positioned just a short distance from the beach, the home enjoys excellent walkable proximity to East Beach access points along with distant peek-a-boo ocean views from the upper levels, offering light-filled coastal orientation while maintaining privacy. Additional highlights include: -Private elevator servicing all floors, garage ramp -Whole-house generator -Two primary suites (main level and upper level) -Three kitchens (show kitchen, scullery kitchen, and pool-level kitchen) -Separate bar/serving area on main living level -Dedicated office/study -Bunk room with ensuite bath -Ensuite baths for every bedroom -See-through Pecky Cypress architectural fireplace -Ceiling-recessed motorized TV lift system -Expansive poolside game room opening to lanai -Pool bath on lower level -Space designed for future sauna installation -EV charger readiness -Approximately 1,500 square feet of covered porches -Thick roof tails and timeless stucco exterior detailing -Designer coastal finish palette throughout - Custom kitchen cabinets, built out closets, and more. -Corner lot location at 4th Street and Dixon Lane A rare opportunity to own a newly constructed East Beach St. Simons Island residence combining architectural character, structural upgrades, dual primary suites, and seamless indoor–outdoor entertaining just moments from the ocean.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

7/10
5/10
Glynn Middle SchoolGrades 6-86.5 mi
10/10
Glynn AcademyGrades 9-127.0 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1

Features

  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas,Great Room
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 5,057 sqft

Property

Details

  • Parcel number: 0415051

Features

  • Levels: Three Or More
  • Stories: 3
  • Pool features: Heated,Pool
  • Patio & porch: Covered,Patio
  • Exterior features: Covered Patio,Courtyard,Paved Driveway
  • Has spa: Yes
  • Spa features: Hot Tub
  • Fencing: Block,Partial

Lot

  • Lot size: 6,098 sqft
  • Features: Alley
  • Lot size dimensions: ,,,

Parking

  • Total spaces: 3
  • Parking features: Driveway,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Wildfire
Tsunami

FEMA Declared Disasters Across Georgia Counties

Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $22,501$270,012
Home Insurance *$2,042$24,504
Property Taxes $349$4,188
Electricity $491$5,895
Total$25,383$304,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$870,274/yr
40% on housing$761,490/yr
45% on housing$676,880/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: 5.1%
5.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -3.2%
-3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$880This listing

vs Other Active Listings

Avg $/sqft

ZIP 31522$398
Glynn County$346

vs Homes Sold Last Month

Median $/sqft

ZIP 31522$438
Glynn County$190

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
2026-03-28Listed for sale$4,625,000
2024-09-30Listing removed$1,640,000
2024-06-04Listed for sale$1,640,000
2022-09-16Listing removed--
2022-04-28Price change$1,350,000
2022-03-24Listed for sale$1,560,000
2021-08-06Sold$1,961,441
2020-10-15Sold$650,000
2020-07-24Listed for sale$569,000
2019-08-21Listing removed$569,000
2019-02-04Listed for sale$569,000

New Construction

AgentMichael Banker, LLC
BrokerageBanker Real Estate

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