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114 Riverfront Circle

St Marys, GA 31558 · Camden County

150 days on market
$565,000
$565,000Camden County (Rural)$500K – $1MActive
565000
3 Bedrooms
4 Bathrooms
2,600 Sq.Ft.
0.24 Acres
Built in 2007
2-Car Garage
2-Car Garage1 FireplaceCamden County District

About This Property

Welcome to 114 Riverfront Circle—an exceptional fully furnished coastal retreat in the gated Cumberland Palms community, perfectly positioned along the St. Marys River. Offering approximately 2,600 sq ft, this spacious 4-story townhome features 3 bedrooms, 3.5 baths, an elevator, fireplace, and an oversized 2-car garage—making it a rare opportunity for a primary residence, second home, vacation getaway, or an income-producing investment. This amazing property offers a wide variety of opportunities including long-term, mid-term, and short-term rental potential. The main living level features an open-concept kitchen, dining, and living space with stainless appliances, granite countertops, and wood floors, plus a laundry room and half bath. Upstairs, the private primary suite is thoughtfully positioned along with two additional guest bedrooms and two full baths—ideal for hosting and maximizing rental flexibility. The top floor provides a charming bonus retreat with river views, perfect for an office, reading room, or observation lounge. Enjoy multiple porches and outdoor spaces, including a screened lanai, for relaxing after a day on the water. Cumberland Palms offers resort-style amenities including a boardwalk, pickleball courts, community dock access, pool and hot tub—plus proximity to historic downtown St. Marys, Kings Bay Naval Base, and the Intracoastal Waterway. The best feature may be the dock access—perfect for a quick boat trip to Cumberland Island or Amelia Island. Call today to preview this unique property.

Property Details

SubdivisionCumberland Palms
TypeTownhouse
Living Area2,600 sq ft
Full Baths3
Half Baths1
Lot Size0.240 acres
Year Built2007
Total Rooms0
Fireplaces1
WaterfrontNo
Parcel148H 008

Location & Neighborhood Intelligence

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Distance to Key Places (straight-line)

Coastal & Environmental Information

Properties in Camden County near coastal waters may be subject to Coastal Area Management Act (CAMA) regulations or specific flood zone designations. (There is no local historic district or design-review overlay anywhere in the county — it has no incorporated municipalities.) Buyers are advised to independently verify setback rules, elevation certificates, and flood insurance requirements with licensed surveyors, engineers, and insurance professionals.

Interior & Exterior

HeatingCentral, Electric, Forced Air
CoolingCentral Air, Electric
RoofMetal
ConstructionWood Siding
StyleTraditional
AppliancesDishwasher, Electric Water Heater, Microwave, Oven, Plumbed For Ice Maker, Range, Dryer, Refrigerator, Washer
ParkingAttached, Underground, Garage Door Opener
PoolCommunity

Interior Features

Built-in FeaturesBreakfast AreaCeiling Fan(s)Central VacuumDouble VanityEntrance FoyerElevatorKitchen IslandPrimary SuitePull Down Attic StairsSeparate ShowerUpper Level PrimaryWired for SoundFireplace

Exterior Features

BalconyDock

Schools

ElementarySaint Marys
MiddleSaint Marys
High SchoolCamden County

Tax & Assessment

Annual Tax$5,526 (2025)
Monthly Tax Est.$461/mo
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Local Tax & Municipal Variables
Camden County TaxCamden County charges $0.71 per $100 of assessed value in county general tax, plus $0.01 per $100 fire tax and a flat $100 solid waste fee. Only the general rate is modelled below — the fire tax and the flat fee are real and are covered in the briefs. There is no municipal tax anywhere in this county. Verify with theCamden County tax office.
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Adds $150/mo for the higher upkeep an older house carries — roof, wood windows, siding, systems. A budgeting convention, not a regulatory cost.
Camden County is one of North Carolina's 20 CAMA counties. Properties along the Pasquotank River, the North River, the Dismal Swamp Canal or the Albemarle Sound may sit in an Area of Environmental Concern, and flood zone determines whether flood insurance is required. This site quotes no flood rate and no CRS discount — enter your own insurer's annual quote below.

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  • Principal & Interest$0
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  • Hazard / Homeowners Insurance (Est.)$0
  • Flood Insurance (Your Quote)$0
  • Older-Home Maintenance Reserve$0
  • PMI / Mortgage Insurance$0
Total Loan Amount$0
Down Payment$0
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MLS# SA348283 · HIVE MLS via SourceRE · Last updated: August 19, 2026 at 10:57 PM UTC. Information deemed reliable but not guaranteed. © 2026 Horizon Realty Group.