About This Home

This 3-bedroom, 2-bathroom single family at 238 Cardinal Circle W in Saint Marys, GA is listed for $420,000 ($199 per sqft). Built in 1992, the home offers 2,109 sqft of living space on a N/A lot.

Key Features

  • Built in 1992
  • Fireplace

Property Details

1 story
2 full
1992

Amenities

FireplaceA/C
Listing Description

Welcome to 238 Cardinal Circle West, a move-in-ready home ideally situated along the golf course in the desirable Osprey Cove community. Enjoy beautiful golf course views while still maintaining a sense of privacy in the backyard, offering the perfect balance of scenery and seclusion.

Recently painted inside and out,, this well-maintained home offers a spacious and functional split-bedroom floor plan. The inviting living area features a fireplace, while the separate dining room provides plenty of space for entertaining. Two generously sized guest bedrooms are located on one side of the home, with the private primary suite thoughtfully positioned on the opposite side.

The spacious kitchen offers abundant room for cooking and gathering, along with a comfortable breakfast and seating area overlooking the golf course, a wonderful spot to enjoy your morning coffee while taking in the view. Located within Osprey Cove, one of St.

Marys' premier gated golf communities, this home combines a peaceful golf course setting, privacy, and a move-in-ready interior. Conveniently located near shopping, dining, historic downtown St. Marys, Kings Bay Naval Submarine Base, and easy access to I-95, Jacksonville, and the surrounding coastal area. 238 Cardinal Circle West offers the golf course lifestyle without sacrificing backyard privacy and is ready for its next owner to move right in and enjoy.

Monthly Cost Estimate

$4,039/mo

20% down · 6.5% · 30 years

Principal$304
Interest$1,820
Insurance$123
HOA$1,793

Estimates only. Actual payments may vary.

Location

238 Cardinal Circle W

Saint Marys, GA 31558

Osprey Cove

Features & Amenities

Interior Features

BookcasesMaster On Main Level

Property Details

Flooring

CarpetTile

Construction

Stucco

Parking

Garage

Heating

Electric (Heating)

Cooling

Central Air

Appliances

CooktopDryerMicrowaveRangeRefrigeratorStainless Steel Appliance(s)

Questions & Answers

This 3-bedroom, 2-bathroom single family at 238 Cardinal Circle W is listed at $420,000 ($199/sqft). The estimated monthly payment is $4,040 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $1793/month.

Key features include: Built in 1992, Fireplace. Interior Features: Bookcases, Master On Main Level.

This property is listed by Melissa H Johnson.

MJ

Melissa H Johnson

Agent at St. Marys Realty Inc.

Listed by St. Marys Realty Inc. · Broker phone: (912) 674-6425 · View on Broker Site · Broker website

MLS# 10857204· Source: Georgia Multiple Listing Service· 33 days on PropertySimple

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.

238 Cardinal Circle W, Saint Marys, GA 31558

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