About This Home

This 3-bedroom, 2-bathroom single family at 109 E Church Street in Saint Marys, GA is listed for $459,000 ($348 per sqft). Built in 1960, the home offers 1,320 sqft of living space on a 0.53 acres lot.

Key Features

  • Built in 1960
  • 0.53 acre lot
  • 2 parking spaces
  • Fireplace

Property Details

1 story
2 full
2 spaces
1960

Amenities

FireplaceHardwoodA/C
Listing Description

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; complete re-plumbing; 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.

Monthly Cost Estimate

$2,455/mo

20% down · 6.5% · 30 years

Principal$332
Interest$1,989
Insurance$134

Estimates only. Actual payments may vary.

Location

109 E Church Street

Saint Marys, GA 31558

Features & Amenities

Interior Features

BookcasesMaster On Main Level

Property Details

Flooring

LaminateHardwoodTile

Construction

Block Wood Siding

Pool Features

Porch

Parking

Garage

Heating

Central

Cooling

Central AirCeiling Fan(s)

Appliances

DishwasherGas Water HeaterRangeRefrigeratorStainless Steel Appliance(s)Tankless Water Heater

Questions & Answers

This 3-bedroom, 2-bathroom single family at 109 E Church Street is listed at $459,000 ($348/sqft). The estimated monthly payment is $2,455 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1960, 0.53 acre lot, 2 parking spaces, Fireplace. Interior Features: Bookcases, Master On Main Level.

This property is listed by Carrie Paulk-Gay and can be reached at 9126749388.

CP

Carrie Paulk-Gay

Agent at Coldwell Banker Access Realty

(912) 674-9388

Listed by Coldwell Banker Access Realty · View on Broker Site

MLS# 10810507· Source: listhub· 2 days on market

Copyright © 2026 Georgia Multiple Listing Service. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

109 E Church Street, Saint Marys, GA 31558

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