$730,000
SOLD JUL 3, 2025

105 Whispering Oaks Ln St. Marys, GA 31558

3 Beds
2.5 Baths
2,320 Sq Ft
0.36 Acres

Recently Sold

$315 Per Sq Ft

2% Below List Price

59 Days on Market

Highlights

  • Boat Dock
  • Fitness Center
  • Community Lake
  • Saint Marys Elementary School Rated A
  • Gated Community
  • Clubhouse

About This Home

As of July 2025

Cumberland Harbour is coastal Georgia's premier maritime community. Enjoy incredible amenities that include 3 pools, tennis, pickleball, fitness, basketball, bocce' court, playgrounds, day dock and more. All this and 24/7 manned/gated security. The home is quintessential Low-Country, designed by Allison Ramsey Architects and crafted beautifully by Terry Stover Construction. Boasting upgrades such as a metal roof, oversized garage with EV charging, Trex Premium decking on front and back porches, wine 'fridge, GE Cafe appliances and a screened back porch with fireplace that backs up to open space. This home is your private enclave, Pay, Relax, Explore... Cumberland Harbour. Call today for your private tour.

Last Agent to Sell the Property

Alexandria Kornas

Atlantic Salt Realty License #422271 Listed on: 04/11/2025

Co-Listed By

Lloyd Streit

Atlantic Salt Realty License #352631

Last Buyer's Agent

Lloyd Streit

Atlantic Salt Realty License #352631

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,329

Year Built

  • Built in 2022

Lot Details

  • 0.36 Acre Lot
  • Level Lot

HOA Fees

  • $190 Monthly HOA Fees

Home Design

  • Bungalow
  • Metal Roof
  • Concrete Siding

Interior Spaces

  • 2,320 Sq Ft Home
  • 2-Story Property
  • Bookcases
  • High Ceiling
  • Living Room with Fireplace
  • 2 Fireplaces
  • Home Office

Kitchen

  • Double Oven
  • Cooktop
  • Dishwasher
  • Stainless Steel Appliances
  • Disposal

Flooring

  • Wood
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms | 1 Primary Bedroom on Main
  • Walk-In Closet
  • Double Vanity
  • Soaking Tub
  • Bathtub Includes Tile Surround

Laundry

  • Laundry in Mud Room
  • Dryer
  • Washer

Parking

  • Garage
  • Parking Storage or Cabinetry

Outdoor Features

  • Outdoor Fireplace

Schools

  • Saint Marys Elementary And Middle School
  • Camden County High School

Utilities

  • Central Air
  • Heat Pump System
  • Underground Utilities
  • Propane
  • Tankless Water Heater
  • High Speed Internet
  • Phone Available
  • Cable TV Available

Community Details

Overview

  • Association fees include management fee, private roads, reserve fund, security, swimming, tennis
  • Cumberland Harbour Subdivision
  • Community Lake
  • Greenbelt

Recreation

  • Boat Dock
  • RV or Boat Storage in Community
  • Tennis Courts
  • Community Playground
  • Fitness Center
  • Community Pool
  • Park

Additional Features

  • Clubhouse
  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,329

Year Built

Built in 2022

Lot Details

0

HOA Fees

$190 per month

Listing Details

  • Property Type: Residential
  • Year Built: 2022
  • ArchitecturalStyle: Bungalow/Cottage
  • Main Level Half Bathrooms: 1
  • Co List Office: ATSA01
  • Financing Type: Cash
  • Levels: Two
  • Lot Size Acres: .36
  • Property Sub-Type: Single Family Residence
  • Structure Type: House
  • Total Finished Area2: 2320
  • Special Features: None
  • Property Sub Type: Detached
  • Stories: 2

Interior Features

  • Appliances: Cooktop, Dishwasher, Disposal, Double Oven, Dryer, Refrigerator, Stainless Steel Appliance(s), Tankless Water Heater, Washer
  • Bedrooms: 3
  • Basement: None
  • Total Finished Sq Ft: 2320
  • Above Grade Finished Sq Ft: 2320
  • Interior Amenities: Bookcases, Double Vanity, High Ceilings, Master On Main Level, Soaking Tub, Tile Bath, Walk-In Closet(s)
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Fireplace Features: Living Room, Outside
  • Flooring: Hardwood, Tile
  • Price Per Square Foot: 314.655

Beds/Baths

  • Main Level Full Bathrooms: 1
  • Upper Level Full Bathrooms: 1
  • Bedroom Main Level: 1

Exterior Features

  • Construction Materials: Concrete
  • Lot Features: Greenbelt, Level
  • Property Condition: Resale
  • Roof: Metal

Garage/Parking

  • Parking Features: Detached, Storage

Utilities

  • Cooling: Central Air
  • Heating: Heat Pump
  • Laundry Features: In Mud Room
  • Sewer: Public Sewer
  • Utilities: Cable Available, Electricity Available, High Speed Internet, Phone Available, Propane, Sewer Connected, Underground Utilities, Water Available
  • Water Source: Public

Condo/Co-op/Association

  • Annual Association Fee: 2275
  • Association: Yes
  • Community Features: Boat/Camper/Van Prkg, Clubhouse, Fitness Center, Gated, Lake, Park, Playground, Pool, Shared Dock, Sidewalks, Street Lights, Tennis Court(s)

Fee Information

  • Association Fee Includes: Management Fee, Private Roads, Reserve Fund, Security, Swimming, Tennis

Schools

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

Multi Family

  • Total Fireplaces: 2

Tax Info

  • Year: 23
  • Tax Annual Amount: 4329.11

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 11, 2025
Closed on
Jul 3, 2025
Sold by
Stewart Michael J
Bought by
Garwin W W and Garwin Sherri R
Seller's Agent
Alexandria Kornas
Atlantic Salt Realty
Buyer's Agent
Lloyd Streit
Atlantic Salt Realty
List Price
$744,900
Sold Price
$730,000
Premium/Discount to List
-$14,900
-2%
Views
47

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.00%

Purchase Details

Closed on
Apr 9, 2021
Sold by
Kehrley Roxanne A
Bought by
Stewart Michael J and Holman Cindy Lou

Purchase Details

Closed on
Nov 26, 2014
Sold by
Kehrley William D
Bought by
Kehrley Roxanne A

Purchase Details

Closed on
Apr 12, 2010
Sold by
Doud Menzer L
Bought by
Kehrley William A
Source: Public Records

Range of Values:

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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Limited Warranty Deed $730,000 --
Warranty Deed $8,500 --
Warranty Deed -- --
Deed -- --
Deed $28,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $300,000 New Conventional
Previous Owner $290,000 New Conventional
Previous Owner $250,000 Mortgage Modification
Previous Owner $89,000 New Conventional
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
07/03/2025 07/03/25 Sold $730,000 -2.0% $315 / Sq Ft
06/09/2025 06/09/25 Pending -- -- --
04/11/2025 04/11/25 For Sale $744,900 -- $321 / Sq Ft
Source: Georgia MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $6,643 $213,744 $7,200 $206,544
2023 $4,466 $125,850 $7,200 $118,650
2022 $140 $4,800 $4,800 $0
2021 $148 $4,800 $4,800 $0
2020 $153 $4,800 $4,800 $0
2019 $153 $4,800 $4,800 $0
2018 $83 $12,800 $12,800 $0
2017 $299 $10,000 $10,000 $0
2016 $299 $10,000 $10,000 $0
2015 $290 $10,000 $10,000 $0
2014 -- $4,800 $4,800 $0
Source: Public Records

Agents Affiliated with this Home

  • A

    Seller's Agent in 2025

    Alexandria Kornas

    Atlantic Salt Realty

    (912) 464-9321

    32 Total Sales

    Alexandria Kornas
    Section Image
  • Lloyd Streit

    Seller Co-Listing Agent in 2025

    Lloyd Streit

    Atlantic Salt Realty

    (912) 464-9321

    147 Total Sales

    Lloyd Streit
    Section Image
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Map

Source: Georgia MLS

MLS Number: 10498294

Georgia MLS

APN: 160C-353

Georgia Camden County Saint Marys 31558

105 Whispering Oaks Ln, Saint Marys, GA

This home is located at 105 Whispering Oaks Ln, St. Marys, GA 31558 and is currently priced at $730,000, approximately $314 per square foot. This property was built in 2022. 105 Whispering Oaks Ln is a home located in Camden County with nearby schools including Saint Marys Elementary School, Saint Marys Middle School, and Camden County High School.

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

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