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609 Oak St, Saint Simons Island, GA, 31522

4beds
5baths
2,000sqft
$1,950,000
$975price/sqft
$11,819/moest. monthly cost
$472,760/yrincome needed

About This Home

Enjoy the rare freedom of true walk-to-everything island living in this beautifully reimagined, single-level home located in the highly desirable Park View neighborhood of St. Simons Island. Designed by renowned architect Johnny Shackelford, this residence effortlessly balances everyday comfort, refined modern design, and exceptional flexibility of use. From this location, beaches, restaurants, shops, parks, and island favorites are all just a short stroll away, making daily life easy and enjoyable—whether you’re heading out for morning coffee, an evening walk, or a sunset stroll. With everything close by, there’s little need to get in the car, a rare and highly valued feature for full-time residents and guests alike. Inside, the thoughtfully designed floor plan lives beautifully as a primary residence or second home. The expansive great room offers two distinct living areas, providing space to gather, relax, work, or entertain without feeling crowded. The single-level layout allows for effortless daily living, aging-in-place convenience, and easy maintenance. The home features four generously sized bedrooms, each with its own private ensuite bath—ideal for family living, visiting friends, or multigenerational stays. A convenient half bath serves the main living areas, enhancing everyday functionality. At the center of the home, the open kitchen and bar area connect seamlessly to the outdoors, creating a natural flow for both daily living and entertaining. Step outside to a private heated pool, offering a peaceful retreat whether you’re enjoying a quiet afternoon at home or hosting an evening gathering. In addition to being an exceptional full-time residence, the home also performs exceptionally well as a second home or vacation rental. It has a proven history of generating approximately $120,000 in gross annual rental income in 2025, offering flexibility for owners who wish to offset ownership costs while still enjoying personal use. The property is being sold unfurnished, allowing buyers to tailor the home to their lifestyle or rental strategy. This is a rare opportunity to own a home that truly works in every way—walkable, livable, beautifully designed, and financially smart. Be sure to watch the videos to fully experience the flow, setting, and lifestyle this remarkable St. Simons Island property offers.

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

7/10
5/10
Glynn Middle SchoolGrades 6-85.3 mi
10/10
Glynn AcademyGrades 9-125.8 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 1955

Materials

  • Construction materials: Drywall

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Laundry Room,Laundry Tub,Sink

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Beamed Ceilings,Breakfast Bar,Cathedral Ceiling(s),High Ceilings
  • Flooring: Brick,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas,Gas Starter,Great Room
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,000 sqft

Property

Details

  • Parcel number: 0404527
  • Special condition: Listed As-Is

Features

  • Levels: One
  • Stories: 1
  • Pool features: Heated,Pool
  • Has view: Yes
  • View description: Park/Greenbelt

Lot

  • Lot size: 6,969 sqft
  • Features: Private
  • Lot size dimensions: ,,,

Parking

  • Total spaces: 3
  • Parking features: Driveway
  • 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

  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Cold Wave
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 $9,860$118,320
Home Insurance *$895$10,740
Property Taxes $845$10,140
Electricity $219$2,637
Total$11,819$141,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$405,222/yr
40% on housing$354,570/yr
45% on housing$315,173/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

$975This listing

vs Other Active Listings

Avg $/sqft

ZIP 31522$399
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
2026-03-23Price change$1,950,000
2026-01-11Price change$2,050,000
2025-03-08Price change$1,995,000
2025-01-08Price change$2,300,000
2024-05-27Price change$2,150,000
2024-05-21Listed for sale$2,375,000
2023-05-15Sold$1,240,000
2021-07-02Sold$989,000
2021-06-23Pending sale$998,500
2021-06-17Contingent$998,500
2021-06-11Listed for sale$998,500
2020-12-18Sold$619,200
2019-11-08Sold$465,000
2019-09-25Pending sale$475,000
2019-09-12Price change$475,000
2019-08-22Price change$484,000
2019-07-29Listed for sale$499,000

New Construction

AgentMichael Banker, LLC
BrokerageBanker Real Estate

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