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Now $650,000 with a 1% buyer incentive and home warranty, this Lowcountry-style home with guest cottage in gated Cumberland Harbour is ready for new owners! Located in the coastal town of St. Marys, Georgia near Amelia Island and Jacksonville, this 4-bedroom, 3.5-bath home plus accessory dwelling unit with 1-bedroom and 1-bath features a flexible layout, high-end finishes, and access to resort-style amenities. Inside, you'll find a light-filled open floor plan with custom trim work, wood flooring, and a warm coastal feel. Kitchen includes leathered quartz countertops, stainless steel appliances, soft-close cabinetry, and a large island that connects seamlessly to the dining and living areas. The main-level primary suite offers dual vanities, a soaking tub, and a tiled walk-in shower. A second en suite upstairs adds versatility, while two additional bedrooms share a full bath. The fully furnished guest cottage has its own private bedroom, bathroom, kitchenette, washer/dryer, and living space. This accessory dwelling unit allows for hosting guests, rental potential, home office needs, or multigenerational living. The detached garage is insulated and air-conditioned, with a partially finished loft above providing additional climate-controlled space for storage, a studio, or future expansion. Recent upgrades include new HVAC systems, a tankless water heater, whole-house water softener, enhanced landscaping, and new irrigation. Cumberland Harbour is a gated, waterfront community on the St. Marys River with day dock access, fishing, nature trails, parks, pools, tennis, pickleball, basketball, and a fitness center. 620 Charleston Way is move-in ready and priced to sell! 1% buyer incentive can be used towards closing costs, prepaids, or rate buy down! Contact the listing agent today to schedule your showing today!
| DAYS ON MARKET | 246 | LAST UPDATED | 10/28/2025 |
|---|---|---|---|
| TRACT | Cumberland Harbour | YEAR BUILT | 2016 |
| COUNTY | Camden | STATUS | Active |
| PROPERTY TYPE(S) | Single Family |
| Elementary School | Saint Marys |
|---|---|
| Jr. High School | Saint Marys |
| High School | Camden County |
| PRICE HISTORY | |
| Prior to Jun 17, '25 | $799,000 |
|---|---|
| Jun 17, '25 - Jul 29, '25 | $749,000 |
| Jul 29, '25 - Sep 8, '25 | $724,900 |
| Sep 8, '25 - Sep 29, '25 | $685,000 |
| Sep 29, '25 - Today | $650,000 |
| ADDITIONAL DETAILS | |
| AIR | Central Air |
|---|---|
| AIR CONDITIONING | Yes |
| AMENITIES | Maintenance Grounds, Security |
| APPLIANCES | Dishwasher, Disposal, Electric Water Heater, Microwave , Oven , Range, Refrigerator, Stainless Steel Appliance(s), Tankless Water Heater, Water Softener |
| BASEMENT | None |
| CONSTRUCTION | Other |
| FIREPLACE | Yes |
| GARAGE | Yes |
| HEAT | Central |
| HOA DUES | 4550|Annually |
| INTERIOR | Breakfast Bar, Double Vanity, High Ceilings, In-Law Floorplan, Kitchen Island, Master Downstairs, Pantry, Soaking Tub |
| LOT | 0.43 acre(s) |
| PARKING | Garage |
| SEWER | Public Sewer |
| STORIES | 2 |
| STYLE | Traditional |
| SUBDIVISION | Cumberland Harbour |
| TAXES | 8073.93 |
| UTILITIES | Underground Utilities |
| WATER | Public |
MORTGAGE CALCULATOR
TOTAL MONTHLY PAYMENT
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The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision.
Copyright 2025 GAMLS. All rights reserved.
This IDX solution is (c) Diverse Solutions 2025.
