101 Settlers Rd, Saint Simons Island, GA, 31522
About This Home
JUST REDUCED $64,000!!! HURRY before it's GONE! This beautifully renovated home sits on an exceptional ¾-acre lot with a canopy of live oaks in one of St. Simons Island's most desirable neighborhoods, Shaw's Bounty. Completely updated while preserving its timeless island character, the home is filled with natural light. The renovated kitchen features honed quartz countertops, white shaker cabinetry, stainless steel appliances, shiplap walls. Custom plantation shutters add warmth and style throughout the home. The flexible floor plan offers space for everyone. A main-level bedroom and full bath are perfect for guests or multigenerational living. Upstairs you'll find four additional bedrooms and two full baths, including a spacious primary suite with three closets. One of the property's standout features is the oversized lot. With three-quarters of an acre, there's room to create the backyard you've always wanted—whether that's a pool, pool house, outdoor kitchen, or expansive entertaining space. A conceptual landscape plan is included in the photos to help illustrate the possibilities. Shaw's Bounty is known for its quiet streets, mature trees and fishing ponds. Rich in island history, the neighborhood traces its roots to land granted by General Oglethorpe to John Shaw in the 1700s. Today, it offers a peaceful setting in a convenient mid-island location just minutes from restaurants, shopping, excellent schools, and a short bike ride to the beach.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 1988
Materials
- Foundation: Block
- Roof: Composition
- Construction materials: Fiber Cement,HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial,Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Disposal,Dishwasher,Electric Range,Oven,Range,Refrigerator,Range Hood
- Laundry features: In Hall,Laundry Room,Upper Level,Washer Hookup
Bedroom2
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Ceiling Fan(s),Pantry,Recessed Lighting,Walk-In Closet(s),Primary Suite
- Window features: Plantation Shutters
- Flooring: Hardwood,Tile
- Number of fireplaces: 1
- Fireplace features: Great Room,Gas Starter,Living Room,Wood Burning
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total interior livable area: 2,192 sqft
Master Bedroom
- Level: Upper
Property
Details
- Parcel number: 0402053
- Special condition: Standard
Lot
- Lot size: 0.75 Acres
- Features: Level,Full Size Lot
Parking
- Total spaces: 2
- Parking features: Attached,Driveway,Garage Faces Side,Garage Door Opener,Kitchen Level
- 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
- Hurricane
- Cold Wave
- Lightning
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Georgia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,424 | $53,088 |
| Home Insurance * | $401 | $4,812 |
| Property Taxes | $379 | $4,548 |
| Electricity | $219 | $2,637 |
| Total | $5,423 | $65,076 |
Income You'd Need if You Spent...
Georgia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-15 | Price change | $875,000 |
| 2026-07-02 | Listed for sale | $939,000 |
| 2025-08-14 | Listing removed | $939,000 |
| 2025-08-01 | Listed for rent | $3,500 |
| 2025-04-28 | Listed for sale | $939,000 |
| 2025-03-24 | Listing removed | $939,000 |
| 2025-03-11 | Listed for sale | $939,000 |
| 2025-03-01 | Pending sale | $939,000 |
| 2024-11-09 | Listed for sale | $939,000 |
| 2024-10-06 | Listing removed | $985,000 |
| 2024-07-11 | Price change | $985,000 |
| 2024-06-18 | Listed for sale | $995,000 |
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