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$459,000

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
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Charming cottage in downtown St. Marys featuring character, location, and worry-free upgrades. This fully furnished 3BR/2BA home sits on a 0.53-acre lot shaded by majestic oaks and offers tongue-and-groove interiors, hardwood floors, plantation shutters, a fireplace with built-ins, and a kitchen updated with new appliances and flooring. A cozy den opens to an upgraded screened porch overlooking camellias, azaleas, and a historic oak tree. Recent and significant upgrades provide true peace of mind: new roof; new exterior electrical panel; new ductwork; tankless gas water heater; gas line added with plumbing for stove and dryer; attic insulation; gutters & downspouts; dehumidifier under home with sump pump and all vents vented to the exterior. Property includes a 21x30 multi-use outbuilding, garage improvements featuring new lighting and a decorative mural), ample space for RV/boat parking. Enjoy walking to schools, restaurants, shopping, and the waterfront, a rare blend of southern charm and modern reliability.

Full Property Details for 109 E Church St

General

  • Price: $459,000
  • Taxes: $3,257 (2025)
  • Status: Active
  • Type: Single Family
  • Source: GAMLS_Atlanta
  • MLS ID: 10810507
  • Updated: 8/5/2026
  • Added to Site: 32 day(s) ago

Interior

  • Rooms/Areas: Den, Family Room
  • Interior Features: Bookcases, Master On Main Level
  • Fireplace: Yes
  • Number of Fireplaces: 1
  • Fireplace(s): Living Room, Living Room
  • Appliances: Dishwasher, Gas Water Heater, Oven/Range (Combo), Refrigerator, Stainless Steel Appliance(s), Tankless Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Main - Full Baths: 2

Bedrooms

  • Total Bedrooms: 3
  • Bedrooms Main: 3

Other Rooms

  • Kitchen: Breakfast Area, Breakfast Room, Solid-Surface Counters
  • Laundry: Laundry Closet

Parking

  • Parking Features: Detached, Garage, Side/Rear Entrance

Location

  • County: Camden
  • Driving Directions: Hwy 40 to Osborne to downtown St Marys. Make a left onto Church St. Home is second on the left directly across from St Marys Elementary.

School Information

  • Elementary School: Saint Marys
  • Middle School: Saint Marys
  • High School: Camden

Community

  • Assoc. Fees Include: None

Heating & Cooling

  • Cooling Type: Ceiling Fan(s), Central Air
  • Heating Type: Central

Utilities

  • Water/Sewer: Public Sewer

Structural Information

  • Architectural Style: Bungalow/Cottage, Traditional
  • Construction Status: Resale
  • Basement Desc.: None
  • Roof: Composition
  • Stories/Levels: One
  • Living Area: 1,320 Sq. Ft.
  • Finished Total: 1,320 Sq. Ft.
  • Finished Above Grnd: 1,320 Sq. Ft.
  • Year Built: 1960

Lot Features

  • Lot Size (Acres): 0.53
  • Lot Size Range: .53
  • Lot Size Source: Public Records
  • Lot Description: City Lot

Financial Considerations

  • Tax Amount: $3,257.36
  • Tax Year: 2025

Listing Courtesy of: Coldwell Banker Access Realty

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Listing agent

— 109 E Church St —

  • Coldwell Banker Access Realty

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 109 E Church St

School District:Camden County School District
NameGradesDistance
St. Marys Elementary School
600 Osborne St, St. Marys, GA 31558
PK-50.1 mi
Saint Marys Middle School
205 Martha Dr, St. Marys, GA 31558
6-82.4 mi
Camden County High School
6300 Laurel Island Parkway, Kingsland, GA 31548
9-128.6 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 109 E Church St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
7/21/2026
Listed
$459,000
41.23%
MLS
8/30/2024
Sold
$325,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 109 E Church St

Year
Property Taxes
Change
Tax Assessment
Change
2025
$3,936
554%
$120,961
28%
2024
$602
-3%
$94,465
-1%
2023
$620
100%
$95,007
16%
2022
-100%
$82,068
27%
2021
$201
—
$64,556
2%
2021
$201
-3%
$62,996
—
2019
$207
8%
$62,996
1%
2018
$191
-2%
$62,129
28%
2017
$195
—
$48,617
9%
2016
$195
4%
$44,510
—
2015
$188
1%
$44,510
—
2014
$187
6%
$44,510
—
2013
$177
—
$44,510
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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NMLS#: 1598647

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Listing Courtesy of: Coldwell Banker Access Realty

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109 E Church Street, Saint Marys, GA 31558 (MLS# 10810507) is a Single Family property with 3 bedrooms and 2 full bathrooms. 109 E Church Street is currently listed for $459,000 and was received on July 21, 2026. Want to learn more about 109 E Church Street? Do you have questions about finding other Single Family real estate for sale in Saint Marys? You can browse all Saint Marys real estate or contact a Coldwell Banker agent to request more information.

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