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563 Cardinal, St. Marys, GA 31558

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For Sale

$899,900

4 beds • 3 baths • 1 half baths • 3,795 sqft

Estimated Payment

$ 5,247 /mo. †

6.67% APR for 30 yrs.
$7,384 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $237.13
    Price per square foot

  • 21-30 Years Old
    Age

  • Fireplace
    Heating System

Explore this Property

This stunning golf and marsh/river front residence built by Terry Stover Construction located in the gated, golf community of Osprey Cove offers beauty, breathtaking views and a fully renovated interior that will wow you! Located in the prestigious gated community of Osprey Cove, this home boast unique details throughout and outdoor living spaces second to none. This unique style home offers a thoughtfully sighted 3 story floor plan with an expanded living space great for relaxing in front of the fireplace or entertaining friends all while enjoying the fabulous golf and water front views from all 3 levels. From the moment you pull into the circular driveway, you are greeted by a grand staircase leading up to almost 3800 SF with 4 bedrooms, 3.5 baths and a newly renovated interior throughout. You'll enjoy the abundance of natural light, exquisite details throughout and a custom chef's kitchen boasting beautiful cabinetry, granite countertops and stainless appliances. Also located on this level is a nice sized dining room, a half bath, a large laundry room with custom cabinetry, two additional bedrooms and a full bathroom. There are exquisite details throughout with crown molding, a fireplace with built-ins and beautifully redone hardwood floors. This house offers multiple levels providing bedrooms and bathrooms on each level, including a primary retreat on the top level that provides breathtaking views of the river, marsh and golf course, a private study and porches on the front and back of the home. The primary bathroom has a soaking tub, a separate walk-in shower and double vanities with amble storage in the custom cabinets. The lower level is the perfect space for privacy as it offers a bonus room with plumbing in place should someone want to add a full kitchen, a large bedroom with an additional full bath and plenty of storage. Also located on the bottom floor is a nice sized 3 car garage. As you step outside, you have the option of a covered patio or a screened in porch with once again, sweeping views of the golf course and marsh. The large array of windows offers lots of natural light and views of this truly stunning property that you will be proud to call home. This magnificent home offers the true elegant style of Osprey Cove living and makes available application for membership rights to join Osprey Cove. Osprey Cove is a gated golf community with amenities including Har-Tru Tennis Courts, Fitness Center, Hiking Trail, Junior Olympic size pool, boat dock and more. Located conveniently to Jacksonville, FL, one is only minutes from world class health care at Mayo Clinic and a 30-minute drive to Jacksonville International Airport. Also, you are only 30 minutes away from the beaches at Fernandina Beach and Amelia Island. Come visit today and see the "Best Kept Secret" on the coast of Georgia.
MLS# 10451298

Courtesy Of St. Marys Realty Inc.

(912) 729-7900

Property Features

  • Age
    21-30 Years Old
  • Amenities
    Water Front
  • Architecture Style
    New Traditional
  • Fireplace
    Fireplace
  • Floor Covering
    Carpet, Hardwood
  • Heating System
    Central Furnace, Fireplace, Heat Pump

Map and Directions

Directions to 563 Cardinal, St. Marys, GA 31558

Home seller CENTURY 21 Crest Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Crest Realty

(912) 882-7378
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $4,631
  • Property Taxes
    $615
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $5,247

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Mary Lee Clark Elementary School

Grades PK-5 Public School

Saint Marys, GA 31558 1.9 miles
2900 mickler dr

448 total students
14:1 Student teacher ratio

School Rating: B+

School Details

St, Mary's Middle School

Grades 6-8 Public School

Saint Marys, GA 31558 2.2 miles
205 martha dr

1088 total students
17:1 Student teacher ratio

School Rating: A-

School Details

Camden County High School

Grades 9-12 Public School

Kingsland, GA 31548 5.4 miles
6300 laurel island pkwy

2495 total students
15:1 Student teacher ratio

School Rating: A

School Details
Other Nearby Schools Distance Type Grades School Rating
New Hope Christian Academy 2.1 miles Private KG-12
Camden Middle School 3.8 miles Public 6-8 B+
David L. Rainer Elementary School 3.8 miles Public PK-5 B-
Southeast Christian Academy 3.9 miles Private PK-4
Sugar Mill Elementary School 3.9 miles Public PK-5 B+
St. Mary's Elementary School 4 miles Public PK-5 B+
Advance Learning Center 4.2 miles Private KG-12
Matilda Harris Elementary School 4.3 miles Public PK-5 A-
Crooked River Elementary School 4.3 miles Public PK-5 A-

New Hope Christian Academy

Distance: 2.1 miles

Type Private

Grades: KG-12

Camden Middle School

Distance: 3.8 miles

Type Public

Grades: 6-8

B+

David L. Rainer Elementary School

Distance: 3.8 miles

Type Public

Grades: PK-5

B-

Southeast Christian Academy

Distance: 3.9 miles

Type Private

Grades: PK-4

Sugar Mill Elementary School

Distance: 3.9 miles

Type Public

Grades: PK-5

B+

St. Mary's Elementary School

Distance: 4 miles

Type Public

Grades: PK-5

B+

Advance Learning Center

Distance: 4.2 miles

Type Private

Grades: KG-12

Matilda Harris Elementary School

Distance: 4.3 miles

Type Public

Grades: PK-5

A-

Crooked River Elementary School

Distance: 4.3 miles

Type Public

Grades: PK-5

A-

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for St. Marys, GA 31558

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St. Marys, GA 31558

This community’s employment is highest in the food and administrative support industries. The area’s overall household expenses are below the national average.

90° July
Hottest Average Month
44° January
Coldest Average Month
8,452 Total Households in Area
4.7% Increase in population since the year 2010
35.6%
of households
have children
20 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for St. Marys, GA 31558

St. Marys, GA 31558 has a population of 22,835 people in 8,452 households with a median age of 36.7 years old.

4.7%
Increase in population
since the year 2010
Population is Trending up
8,198
Total households as of 2010
5.7%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 36.7 years old. The smallest percentage group is 25-34 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 71%
Black 16%
Hispanic 8%
Other 2%
Asian 2%
Native American <1%
The most prevalent ethnicity is White at 71%, followed by Black at 16%, Hispanic at 8%, and Other at 2%.

Economics
for St. Marys, GA 31558

401 /sq mi
Population Density
$72,537 /yr
Median Household Income
$268,500
Median Sales Price
20 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 14.61% of the households.

Transportation to Work

  • Drive 88%
  • Work from Home 10%
  • Walk or Bike 3%
  • Public Transit 0%

Occupancy by Type

Owned 5,120 56%
Rented 3,332 37%
Vacant 666 7%

White vs Blue Collar Jobs







White Collar 70%
Blue Collar 30%

Family & Education Facts
for St. Marys, GA 31558

36.7 Median Age

Average Household Size

2.6
persons per
household

49.3%

Married Households

Community Population By Education

Some College 35%
High School Graduate 27%
Bachelors Degree 13%
Associates Degree 10%
Graduate Degree 10%
Some High School 6%
Of the total people surveyed, the most prevalent educational attainment level is Some College, representing 34.86% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
35.6% of households have children

Weather
for St. Marys, GA 31558

The weather for this area ranges from a high of 90° F in July to a low of 44° F in January

90° July
Hottest Average Month
44° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
44°
64°
Feb
47°
66°
Mar
52°
72°
Apr
58°
78°
May
65°
84°
Jun
71°
88°
Jul
73°
90°
Aug
73°
89°
Sep
71°
86°
Oct
63°
79°
Nov
53°
72°
Dec
47°
66°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 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. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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