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11 Conch Shell Ln, Saint Simons Island, GA, 31522

2beds
3baths
1,296sqft
$900,000
$694price/sqft
$7,023/moest. monthly cost
$280,920/yrincome needed

About This Home

“Hideaway Cottage” | 11 Conch Shell Lane, St. Simons Island Two homes on two separate lots of record, the second home and parcel are offered in a separate listing. This listing is for the second house, located at 1107 Conch Shell Lane. Live in one and rent the other; rent both; enjoy both; combine the properties or build new—a rare opportunity with exceptional flexibility. These houses sit across the street from the beach. These homes were built in 1928 and are located along scenic Beachview Drive. Ideally positioned mid-beach between St. Simons Pier Village and East Beach, this desirable stretch of shoreline is not tidal contingent, offering miles of shoreline for walking and enjoying the coastal scenery. The home is within walking distance of the historic Pier Village, known for its shops, restaurants, and waterfront views—across the street from the beach, approximately 300 feet from the sand. Surveys on-hand. This listing, 1107 Conch Shell Lane, on the main level features a comfortable living room, large eat-in kitchen, and half bathroom. Upstairs, there are two bedrooms, one is the primary with an ensuite; the second, on the other side of the hallway is also large enough for a king-size bed and sits next to another full bathroom. The main home (SOLD SEPARATELY AND LISTED SEPARATELY) is located at 1107 Beachview Drive. The main home features a main-level primary suite with private bath, along with a living area, kitchen, and ¾ bath on the main floor. Upstairs are two bedrooms connected by a jack-and-jill bath with washer and dryer, plus an additional bedroom with adjoining bath and walk-in shower. A rare chance to own one or two classic St. Simons beach homes in one of the Island’s most desirable locations.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
56
BikeBikeable

Schools

7/10
5/10
Glynn Middle SchoolGrades 6-85.9 mi
10/10
Glynn AcademyGrades 9-126.4 mi

Construction

Condition

  • Year built: 1928

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

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

Interior Area

  • Total interior livable area: 1,296 sqft

Property

Details

  • Parcel number: 0403967

Lot

  • Lot size: 3,920 sqft
  • Lot size dimensions: ,,,

Parking

  • Total spaces: 2
  • Parking features: Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • 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 $4,550$54,600
Home Insurance *$413$4,956
Property Taxes $1,841$22,092
Electricity $219$2,637
Total$7,023$84,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$240,788/yr
40% on housing$210,690/yr
45% on housing$187,280/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

$694This listing

vs Other Active Listings

Avg $/sqft

ZIP 31522$405
Glynn County$349

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
2026-03-12Listed for sale$900,000

For Sale by Agent

AgentJonathan Shipley
BrokerageBanker Real Estate

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