Experience the pinnacle of coastal luxury in this exceptional custom-built residence located within the prestigious, gated waterfront community of Cumberland Harbour. Perfectly positioned on a beautifully landscaped 0.48-acre homesite, this stunning 4-bedroom, 3-bath home offers approximately 2,773 square feet of thoughtfully designed living space, blending timeless Southern architecture with sophisticated modern finishes. An inviting open floor plan welcomes you with soaring ceilings, abundant natural light, designer tile flooring, upgraded carpeting, and elegant architectural details throughout. The gourmet kitchen is designed for both everyday living and effortless entertaining, featuring an oversized island with additional seating, premium finishes, and seamless flow into the spacious living areas. Host family and friends with ease in the impressive formal dining room, large enough to accommodate gatherings of 12 or more, while the adjacent wet bar and wine station create the perfect space for entertaining. A sunny breakfast area overlooks the beautifully landscaped grounds, offering peaceful views of the expansive paver patio and private backyard. The luxurious main-level owner's suite is a true retreat, featuring dual walk-in closets, dual vanities, a custom floor-to-ceiling mirrored medicine cabinet, an oversized tiled walk-in shower, and private access through glass doors to the wraparound covered porch-an ideal place to enjoy morning coffee or evening breezes. A private upstairs suite with its own full bath offers exceptional flexibility as a guest retreat, executive home office, media room, creative studio, or private space for teenagers or extended family. This home is loaded with premium upgrades, including automated Hunter Douglas remote-controlled window coverings, a tankless water heater, expansive pocket sliding glass doors that seamlessly blend indoor and outdoor living, a private irrigation well with a full sprinkler system, and beautifully maintained landscaping. One of the property's most impressive features is the rare combination of an attached two-car garage plus a detached, fully air-conditioned two-car garage. This versatile space is ideal for car collectors, boating enthusiasts, a workshop, home gym, future guest quarters, or potential in-law suite conversion. Step outside to the spacious covered lanai where pocketing sliding doors create the perfect indoor-outdoor entertaining experience, all overlooking a serene, private backyard surrounded by natural beauty. Located behind the gates of Cumberland Harbour, residents enjoy an unparalleled coastal lifestyle with 24-hour manned security and exceptional resort-style amenities, including multiple pools, tennis and pickleball courts, a state-of-the-art fitness center, playgrounds, miles of walking and biking trails, community day docks, and kayak launches with direct access to Georgia's breathtaking waterways. This extraordinary home offers the perfect balance of luxury, comfort, and the unmatched lifestyle that makes Cumberland Harbour one of Coastal Georgia's premier communities.
Active
Price cut: $20K (8/20)
$799,000
101 Wards Ln, Saint Marys, GA 31558
4beds
2,773sqft
Single Family Residence
Built in 2017
0.48 Acres Lot
$779,900 Zestimate®
$288/sqft
$190/mo HOA
What's special
Timeless southern architectureSophisticated modern finishesSoaring ceilingsInviting open floor planAbundant natural lightDual walk-in closetsDesigner tile flooring
- 61 days
- 444
- 23
Zillow last checked:
Listing updated:
Listed by:
Melissa H Johnson 912-390-1743,
St. Marys Realty Inc
Source: GAMLS,MLS#: 10801803
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 4
Rooms
- Room types: Bonus Room, Family Room
Heating
- Central, Heat Pump
Cooling
- Central Air
Appliances
- Included: Cooktop, Dishwasher, Oven, Refrigerator
- Laundry: Other
Features
- Double Vanity, Master On Main Level, Tile Bath
- Flooring: Carpet, Tile
- Basement: None
- Number of fireplaces: 1
- Fireplace features: Family Room
Interior area
- Total structure area: 2,773
- Total interior livable area: 2,773 sqft
- Finished area above ground: 2,773
- Finished area below ground: 0
Property
Parking
- Parking features: Detached, Garage, Garage Door Opener
- Has garage: Yes
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio, Porch, Screened
Lot
- Size: 0.48 Acres
- Features: Corner Lot
Details
- Parcel number: 160C 439
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subtype: Single Family Residence
Materials
- Concrete
- Roof: Composition
Condition
- Resale
- New construction: No
- Year built: 2017
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available, Electricity Available, Phone Available, Sewer Available, Underground Utilities, Water Available
Community & HOA
Community
- Features: Fitness Center, Gated, Pool, Sidewalks, Street Lights
- Subdivision: Cumberland Harbour
HOA
- Has HOA: Yes
- Services included: Management Fee, Reserve Fund
- HOA fee: $2,275 annually
Location
- Region: Saint Marys
Financial & listing details
- Price per square foot: $288/sqft
- Tax assessed value: $782,397
- Annual tax amount: $10,129
- Date on market: 7/9/2026
- Cumulative days on market: 61 days
- Listing agreement: Exclusive Right To Sell
- Electric utility on property: Yes
Estimated market value
$779,900
$741,000 - $819,000
$2,792/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/20/2026 | Price change | $799,000-2.4%$288/sqft |
Source: | ||
| 7/9/2026 | Listed for sale | $819,000-1.3%$295/sqft |
Source: Scout MLS #2001126 Report a problem | ||
| 6/29/2026 | Listing removed | $829,900$299/sqft |
Source: | ||
| 4/10/2026 | Listed for sale | $829,900-3.5%$299/sqft |
Source: | ||
| 4/1/2026 | Listing removed | $860,000$310/sqft |
Source: | ||
| 2/12/2026 | Listed for sale | $860,000-2.3%$310/sqft |
Source: | ||
| 2/7/2026 | Listing removed | $880,000$317/sqft |
Source: | ||
| 12/23/2025 | Price change | $880,000-2.2%$317/sqft |
Source: | ||
| 11/28/2025 | Listed for sale | $899,900-5.3%$325/sqft |
Source: | ||
| 11/18/2025 | Listing removed | $950,000$343/sqft |
Source: Scout MLS #1655945 Report a problem | ||
| 11/2/2025 | Price change | $950,000-1%$343/sqft |
Source: Scout MLS #1655945 Report a problem | ||
| 9/23/2025 | Price change | $960,000-2%$346/sqft |
Source: Scout MLS #1655945 Report a problem | ||
| 9/3/2025 | Listed for sale | $980,000$353/sqft |
Source: Scout MLS #1655945 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $5,253 -0.4% | $312,959 +4.4% |
| 2024 | $5,276 -5% | $299,661 +3.8% |
| 2023 | $5,555 +5.2% | $288,763 +31.4% |
| 2022 | $5,282 -0.8% | $219,713 +24.5% |
| 2021 | $5,323 +24.4% | $176,528 +4.2% |
| 2020 | $4,278 -29.7% | $169,368 |
| 2019 | $6,087 | $169,368 |
| 2018 | $6,087 +137.6% | $169,368 +1593.7% |
| 2017 | $2,562 +755.7% | $10,000 |
| 2016 | $299 | $10,000 |
| 2015 | $299 +116.1% | $10,000 +108.3% |
| 2014 | $139 | $4,800 -52% |
| 2013 | $139 | $10,000 |
| 2012 | -- | -- |
| 2011 | -- | -- |
| 2010 | -- | -- |
| 2009 | -- | $61,925 -3% |
| 2008 | -- | $63,840 |
| 2007 | -- | $63,840 |
| 2006 | -- | $63,840 |
| 2005 | -- | $63,840 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 31558
Nearby schools
Schools provided by the listing agent
- Elementary: Saint Marys
- Middle: Saint Marys
- High: Camden
Source: GAMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.







