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658 N Golf Villas, Saint Simons Island, GA, 31522

2beds
2baths
1,188sqft
$345,000
$290price/sqft
$2,335/moest. monthly cost
$93,400/yrincome needed

About This Home

Perfectly set on a tree-shaded lot surrounded by beautiful oak trees and stunning golf course views, this 2-bedroom, 2-bath condo feels like home the moment you arrive. Located in the highly desirable Sea Palms neighborhood, the property is just steps from the Sea Palms clubhouse, which offers a variety of amenities including golf, shopping, a pool house (membership required), and the fabulous public restaurant, Sago. Inside, the condo features hardwood flooring throughout, abundance of natural light from large windows, and spacious front and back decks—with private bedroom access to each, allowing one bedroom to open onto the front deck and the other to the back. Whether you’re enjoying a quiet morning coffee or unwinding with a glass of wine in the evening, both outdoor spaces provide the perfect place to relax and feel at home.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

5/10
Glynn Middle SchoolGrades 6-87.9 mi
10/10
Glynn AcademyGrades 9-128.1 mi

Construction

Condition

  • Year built: 1974

Materials

  • Foundation: Concrete Perimeter,Slab
  • Roof: Asbestos Shingle
  • Construction materials: Concrete,Stucco,Vinyl Siding,Wood Siding

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Oven,Refrigerator,Washer
  • Laundry features: In Hall,None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Area,Pull Down Attic Stairs,Vaulted Ceiling(s)
  • Flooring: Ceramic Tile,Hardwood,Tile
  • Attic: Pull Down Stairs

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,188 sqft

Property

Details

  • Parcel number: 0400303

Features

  • Patio & porch: Deck,Open,Patio
  • Has view: Yes
  • View description: Golf Course,Other,Pond,Residential
  • Has water view: Yes
  • Water view: Pond

Lot

  • Lot size dimensions: ,,,

Parking

  • Total spaces: 50
  • Parking features: Assigned,Paved,Parking Lot,Parking Space(s)

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 $1,744$20,928
Home Insurance *$158$1,896
Property Taxes $214$2,568
Electricity $219$2,637
Total$2,335$28,020
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,057/yr
40% on housing$70,050/yr
45% on housing$62,266/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

$290This listing

vs Other Active Listings

Avg $/sqft

ZIP 31522$408
Glynn County$350

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
2026-05-05Price change$359,995
2026-03-26Listed for sale$389,975
2017-03-30Listing removed$1,295
2017-03-10Price change$1,295
2017-02-27Listed for rent$1,400
2015-04-08Sold$122,000

For Sale by Agent

AgentMichael Harris
BrokerageMichael Harris Team

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