St. Marys Homes with Two Levels

Welcome to St. Marys, Georgia – a hidden gem nestled along the picturesque coast of Camden County. Known for its charming small-town atmosphere and rich history, St. Marys offers residents a unique blend of southern hospitality and coastal living. With its stunning waterfront views, lush parks, and vibrant community spirit, this city is an ideal place for families, retirees, and anyone seeking a serene lifestyle.

St. Marys is not just about natural beauty; it’s also a gateway to adventure. The nearby Cumberland Island National Seashore invites you to explore its pristine beaches, wild horses, and diverse wildlife. St. Marys is steeped in history, with attractions such as the historic downtown area and the St. Marys Submarine Museum, offering a glimpse into the area’s naval heritage.

When it comes to housing, St. Marys boasts a variety of options, including stunning homes with two levels that cater to diverse lifestyles. These spacious two-story homes provide the perfect blend of comfort and functionality, featuring open-concept layouts, ample living space, and modern amenities. Whether you’re looking for a cozy family retreat or a stylish space to entertain, these homes are designed to meet your needs.

Imagine waking up to the gentle sounds of nature, sipping your morning coffee on a charming porch, and enjoying the convenience of nearby schools, shopping, and dining. In St. Marys, your dream home awaits, combining the tranquility of coastal living with the warmth of a close-knit community. Explore your options today and discover why so many are choosing to call St. Marys home!

Newest St. Marys Homes with Two Levels

$2,999,000

7 Beds ⋅ 9 Baths ⋅ 10821134 MLS

Looking for the luxury coastal lifestyle with breathtaking waterfront views-without the tourists, traffic, and congestion! Welcome to Coastal Georgia the way it was meant to be. Offering the quality and elegance of homes found in Sea Island, St. Simons Island, and Fernandina Beach, this extraordinary deep-water estate delivers an unmatched lifestyle on 2.63 private acres with an impressive 314 feet of deep-water frontage. Nested behind a private gated entrance, this exceptional waterfront residence has been completely renovated with impeccable craftsmanship and luxurious finishes throughout. As you step inside, you're welcomed by a stunning two-story foyer that immediately showcases the home's elegance while drawing your eyes toward the spectacular deep-water views beyond. Designed for both everyday living and grand entertaining, the oversized formal dining room comfortably seats twelve beneath a stunning crystal chandelier and flows effortlessly into the spacious family room, highlighted by a beautiful fireplace and panoramic views of the inlet. The heart of the home is the gourmet kitchen, where every detail has been thoughtfully designed. Featuring an oversized island, custom cabinetry extending to the ceiling, premium stainless-steel appliances, quartzite countertops, and a spacious breakfast area overlooking the water, this kitchen is both functional and extraordinary. Adjacent to the kitchen, the inviting keeping room creates the perfect gathering space with its own entertainment area, complete with its own kitchen and additional island, ideal for hosting family and friends. Wine enthusiasts will fall in love with the impressive 800-bottle climate-controlled wine cellar, showcased behind a dramatic wrought-iron entry door. A spacious walk-in butler's pantry provides abundant storage and organization. The luxurious owner's suite on the main level is a true private retreat, complete with a sitting area overlooking the waterway. The spa-inspired owner's bath features granite countertops, dual vanities, an oversized walk-in shower with four shower heads, and expansive his-and-her custom walk-in closets. The main floor also offers four additional generously sized bedrooms, and four beautifully appointed full bathrooms are also located on the main level, offering outstanding accommodations for family and guests. Granite countertops are featured throughout every bathroom in the home, adding another touch of timeless luxury. A spacious executive office/library completes the main level. Upstairs, you'll find a large loft/media room, an additional owner's or in-law suite featuring dual vanities and an oversized walk-in shower, along with another generously sized bedroom and full bath, creating flexible living space for extended family or guests. Step outside and experience an entertainer's paradise on 2.63 beautifully landscaped acres with 314 feet of spectacular deep-water frontage. The backyard offers an incredible grass-to-water setting leading directly to the inlet, creating a private waterfront retreat unlike any other. Relax year-round in the screened saltwater pool, unwind in the climate-controlled sunroom, or spend your days boating and fishing from your private dock complete with a covered sitting area and fish-cleaning station. Every outdoor space has been designed to embrace the incredible waterfront setting and effortless coastal lifestyle. Additional features include a three-car garage with epoxy flooring, extensive built-in cabinetry and storage, a fenced backyard, professional landscape lighting, majestic palm trees, and a magnificent mature Spanish moss oak that perfectly frames the scenery. If you've been searching for the elegance and quality, but desire a more peaceful, private coastal lifestyle- this is the home you've been waiting for!

1583 Mush Bluff Road, St. Marys

Listing courtesy of Re/Max Tru, Inc..

$430,000

4 Beds ⋅ 3 Baths ⋅ 10818516 MLS

Discover the perfect blend of modern comfort, privacy, and outdoor living at 143 Dolphin Drive. This beautifully maintained 4-bedroom, 3-bathroom home offers 1,914 square feet of thoughtfully designed living space and was recently built, providing all the advantages of newer construction. Situated on an oversized 0.61-acre lot, this property features a circular driveway with ample parking and offers exceptional space and privacy. For buyers looking to expand, the seller is also offering two additional lots directly across the street, presenting a unique opportunity to increase your property size. Create additional recreational or gardening space, or make a smart investment for the future. Enjoy your own private waterfront retreat with a large pond located on the property, perfect for kayaking, paddle boating, fishing, or simply relaxing while taking in the tranquil views. Just beyond the property, North River provides convenient access for launching a canoe or kayak, making this an ideal location for those who love the outdoors. Inside, the open-concept floor plan is designed for both comfortable everyday living and effortless entertaining. Home has a primary suite on both the main floor and upstairs. The spacious kitchen, dining, and living areas flow seamlessly together, with contemporary finishes. With no HOA, you will enjoy the freedom to use your property without restrictive covenants or additional association fees. Whether you're searching for a peaceful waterfront retreat, room to grow, or a home that embraces an active outdoor lifestyle, 143 Dolphin Drive offers a rare combination of space, privacy, recreation, and value that's increasingly difficult to find in today's market.

143 Dolphin Drive, St. Marys

Listing courtesy of Marsh Life Realty.

$429,900

4 Beds ⋅ 3 Baths ⋅ 10817973 MLS

**Assumable VA loan with a 2.75% interest rate** Nestled on a spacious lot, this property offers the perfect blend of privacy, room to roam, and endless opportunities to entertain. Step into your own backyard retreat featuring a sparkling in ground pool, a cozy fire pit, and plenty of green space for kids, pets, gardening, or simply enjoying the outdoors. Whether you're hosting summer pool parties, roasting marshmallows on cool evenings, or relaxing with your morning coffee, this backyard was made for making memories. Inside, you'll find a warm and inviting layout with plenty of space for everyday living and entertaining. The home's thoughtful design provides comfort, functionality, and a seamless connection to the incredible outdoor spaces. Conveniently located just minutes from Kings Bay Naval Submarine Base, shopping, dining, and historic downtown St. Marys, this home offers the lifestyle you've been looking for. **Seller holds an active real estate license in FL (BK3513734) and GA (416862)**

106 Longwood Road, St. Marys

Listing courtesy of Coastal Roots Realty.

$369,900

3 Beds ⋅ 3 Baths ⋅ 10817418 MLS

Why settle for ordinary when you can have the space, style, and location you've been looking for? Welcome to this 3-year old, 3-bedroom, 2.5-bath home in the Hayden Pointe community. Designed with flexibility in mind, the open-concept floor plan makes it easy to entertain, relax, and simply enjoy daily life. The bright kitchen features granite countertops, stainless steel appliances, a large center island, and overlooks the dining area and spacious living room, keeping everyone connected. Need a little extra room? The main-floor flex space is ready to become your home office, formal dining room, or whatever fits your needs. Upstairs, you'll find a great primary suite complete with an ensuite featuring quartz countertops on the double vanity, a soaking tub, and separate shower. Two additional bedrooms, a versatile loft, and an upstairs laundry room provide even more functional living space. Out back, you'll discover one of this home's biggest bonuses: an oversized, fully fenced backyard that backs up to peaceful woods, offering added privacy and plenty of room for activities! Location is the finishing touch. Hayden Pointe is less than 10 minutes from Kings Bay Naval Submarine Base, approximately 15 minutes from historic downtown St. Marys, shopping, and dining, about 30 minutes from Jacksonville International Airport, and under 45 minutes from the beautiful beaches of Georgia and Florida. For added peace of mind, the home also includes a transferable 10-year structural warranty (7-years left), along with the remaining systems warranty. Homes that check this many boxes don't stay available for long. Schedule your private showing today.

78 Hayden Drive, St. Marys

Listing courtesy of Century 21 Crest Realty.

$619,900

5 Beds ⋅ 5 Baths ⋅ 10816963 MLS

210 Placid Road represents a compelling opportunity to own a versatile coastal residence in one of Southeast Georgia's most sought-after gated communities-ideal as a primary home, second residence, or investment property with flexible living options. Positioned within the prestigious gated waterfront community of Cumberland Harbour, this thoughtfully designed Low Country residence captures the essence of coastal Georgia living-where timeless architecture meets modern comfort and resort-style amenities. Encompassing approximately 2,489 square feet, the home offers 4 bedrooms and 3.5 bathrooms, with a layout that balances everyday functionality and elegant entertaining. Interior highlights include rich heart pine flooring, extensive crown molding, and a warm, inviting living room anchored by a gas fireplace. The kitchen is appointed with granite countertops, custom cabinetry, and brand-new GE Slate appliances. A standout feature is the detached two-car garage with a private garage apartment (approx. 400 sq ft), complete with full bath and kitchenette-ideal for guests, multigenerational living, or income-producing potential. Set on a manageable homesite within the Park Place enclave streetscape, the property benefits from alley-access garage positioning and a pedestrian-friendly access. Residents enjoy access to Cumberland Harbour's exceptional amenity package, including multiple pools, tennis and pickleball courts, fitness center, stocked lakes, nature trails, and a private day dock with access to the Intracoastal Waterway. The community's 24/7 gated security and natural setting offer both privacy and a true maritime lifestyle. All just a 35 minute drive to Jacksonville International Airport, the lively, cultural experience of Jacksonville, FL, the historic city of St. Mary's and Fernandina Beach with the beautiful beaches of Amelia Island.

210 Placid Road, St. Marys

Listing courtesy of Atlantic Salt Realty.

$715,000

3 Beds ⋅ 3 Baths ⋅ 10816716 MLS

Welcome to 338 Osprey Circle, an exceptional custom residence nestled within the prestigious gated community of Osprey Cove. Featuring a **newly installed roof** and **energy-efficient solar panels**, this meticulously maintained, move-in ready home perfectly blends timeless elegance with modern comfort while offering an extraordinary lifestyle overlooking the golf course. A beautifully landscaped privacy hedge creates a secluded setting, allowing you to enjoy the views without sacrificing privacy. Designed with both everyday living and sophisticated entertaining in mind, the home features three spacious bedrooms and two and a half bathrooms on the main level, complemented by a private upstairs bonus room that is ideal as a media room, guest retreat, or fitness space. The thoughtfully designed floor plan also includes a dedicated executive office, an elegant formal dining room, and an additional flex room that serves perfectly as a second office, craft room, or study. At the heart of the home, the chef's kitchen showcases a gas cooktop, generous cabinetry, expansive prep space, and an open-concept design that flows effortlessly into the main living areas, creating an inviting atmosphere for gatherings of any size. Step outside to your own private resort. The stunning backyard is an entertainer's dream, featuring a beautifully designed heated swimming pool, a fully equipped outdoor kitchen, and multiple spaces for dining and relaxation. Enjoy peaceful views of the golf course while the mature privacy hedge creates a secluded oasis rarely found in golf course living. Additional highlights include a spacious three-car garage, a permanent walk-up attic offering outstanding storage and future expansion potential, exceptional craftsmanship throughout, abundant storage, and a home that has been impeccably maintained and is truly move-in ready. Located in one of Coastal Georgia's most sought-after gated communities, Osprey Cove offers an unparalleled lifestyle with championship golf, deep-water access, tennis, fitness amenities, and an exceptional coastal location just minutes from historic St. Marys, Cumberland Island ferry access, Kings Bay Naval Base, Jacksonville International Airport, and the beaches of Amelia Island. This is more than a home. It is a lifestyle defined by luxury, privacy, energy efficiency, and effortless coastal living.

338 Osprey Circle, St. Marys

Listing courtesy of St. Marys Realty Inc.

$999,999

5 Beds ⋅ 5 Baths ⋅ 10808717 MLS

A rare opportunity to own one of Osprey Cove's premier dockable waterfront estates, custom built by the renowned Bent Pine Construction. Perfectly positioned on a coveted dockable homesite, this extraordinary Lowcountry residence captures breathtaking panoramic views of the marsh, winding river, and championship golf course. Designed with timeless architecture, exceptional craftsmanship, and luxurious finishes throughout, this home offers an unmatched blend of elegance, comfort, and the very best of Coastal Georgia living. A dramatic entry welcomes you with soaring ceilings, exposed beams, designer lighting, and rich upgraded hardwood flooring that flows throughout the home, immediately setting the tone for the quality and craftsmanship found throughout. The thoughtfully designed main level offers the perfect balance of elegance and functionality, featuring a luxurious owner's suite with a spa-inspired bath, a private guest suite with its own full bath, an elegant formal dining room, and an expansive great room complete with custom built-ins and a beautiful fireplace. At the heart of the home is a chef's kitchen designed to impress, offering upgraded appliances, a gas range, built-in ice maker, an oversized pantry, abundant custom cabinetry, and a spacious breakfast area overlooking the incredible views. Whether hosting intimate dinners or large gatherings, this kitchen was designed for effortless entertaining. The outdoor living spaces are equally remarkable. The oversized covered lanai extends into an expansive entertaining area featuring a fully equipped outdoor kitchen, creating the perfect place to relax while enjoying some of the most breathtaking marsh, river, and golf course views in Coastal Georgia. The upper level continues to impress with three generously sized bedrooms, three full bathrooms, a comfortable sitting area, a private bonus room over the garage complete with its own dedicated HVAC system, and an impressive game and entertainment room featuring a wet bar. With two additional closets already in place, this versatile space could easily serve as a sixth bedroom, media room, guest retreat, or private recreation room. Classic Lowcountry architecture shines from the moment you arrive with stunning double front porches overlooking the beautifully manicured front lawn, offering timeless curb appeal that perfectly complements the home's waterfront setting. Every detail has been carefully considered, from the upgraded hardwood flooring, designer lighting, exposed architectural beams, and custom built-ins to the premium appliances and thoughtfully designed floor plan that offers exceptional flexibility for both everyday living and entertaining. Located within the prestigious gated community of Osprey Cove, residents enjoy optional access to championship golf, tennis, fitness facilities, dining, walking trails, and a private deep-water marina with direct access to the Intracoastal Waterway. Opportunities to own a custom Bent Pine home on a dockable homesite with this combination of luxury finishes, expansive floor plan, and panoramic marsh, river, and golf course views are exceptionally rare. This is more than a home, it is a true Lowcountry estate designed for those who appreciate exceptional craftsmanship, unforgettable views, and luxury coastal living at its finest.

1023 Greenwillow Drive, St. Marys

Listing courtesy of St. Marys Realty Inc.

$330,000

4 Beds ⋅ 3 Baths ⋅ 10802581 MLS

Welcome home to this beautifully maintained two-story residence in the heart of St. Marys, Georgia! Built in 2021, this spacious home offers over 2,400 square feet of thoughtfully designed living space with 4 bedrooms, 2.5 bathrooms, and a versatile flex space that's perfect for a home office, playroom, gym, or additional living area. The open and functional floor plan provides plenty of room for both everyday living and entertaining, while the upstairs laundry room makes daily routines a breeze. Step outside to enjoy the fully fenced backyard overlooking a peaceful water view-the perfect place to relax with your morning coffee or unwind at the end of the day. Ideally located just minutes from King's Bay Naval Base, this home also offers quick access to the main highway, making commuting simple. You'll love being close to Camden County's popular shopping and dining destinations while enjoying the benefits of a quiet neighborhood with a low annual HOA fee. Don't miss your opportunity to make this beautiful St. Marys home yours!

125 Ashwood Circle, St. Marys

Listing courtesy of eXp Realty.

$819,000

4 Beds ⋅ 3 Baths ⋅ 10801803 MLS

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.

101 Wards Lane, St. Marys

Listing courtesy of St. Marys Realty Inc.

$439,900

4 Beds ⋅ 4 Baths ⋅ 10801543 MLS

Welcome home to this beautifully appointed, property in the highly sought-after Winding River community! Situated on a large, beautifully landscaped lot complete with a premium sod and irrigation system, this home offers ultimate privacy and tranquility with a picturesque wooded backdrop. The gorgeous exterior features a premium stone accent facade and elegant front window grids. The attached 2-car garage is fully upgraded with premium hardware, an automatic opener with remote, a convenient exterior keypad, and a dedicated workshop space-perfect for hobbies and extra storage. Out back, relax and take in the peaceful wooded views from your expansive, extended screened-in lanai. Step inside to discover a bright, open floor plan featuring premium Luxury Vinyl Plank flooring flowing seamlessly through the main living areas (excluding bedrooms). The thoughtful layout offers unparalleled versatility with a dedicated flex space and a spacious second-floor loft. The expansive Great Room is flooded with natural light, thanks to an additional structural window, and is perfectly illuminated by 6 LED recessed lights. Upgraded lever door hardware and convenient under-stair storage add functional luxury throughout. The heart of the home is the chef-inspired kitchen, featuring upgraded cabinetry with sophisticated crown molding. The space is beautifully finished with premium countertops and a stylish tile backsplash, making it an ideal gathering place for entertaining. This home features a highly desirable bedroom layout, including an Jack and Jill full bath servicing bedrooms 3 and 4. * Primary Suite: Your private retreat features a dedicated master bath door (in lieu of a standard opening) leading into a true spa-like en-suite. The bath boasts upgraded cabinetry, premium double vanity countertops, and a custom master shower enclosure. * Bath 2: Impressively appointed with an upgraded double vanity countertop and a premium tile tub/shower surround. * Bath 3: Features upgraded cabinetry, a upgraded double vanity countertop, and a beautifully tiled shower complete with a custom glass enclosure. Built for modern living, this home is equipped with a centralized Network Connection Panel to keep you seamlessly connected. Packed with premium structural and design options, this home blends luxury, comfort, and peaceful nature views perfectly. Don't miss your chance to own this exquisitely appointed property-schedule your private tour today!

109 Savannah Way, St. Marys

Listing courtesy of New Home Star Georgia LLC.

$385,000

5 Beds ⋅ 3 Baths ⋅ 10800427 MLS

Welcome to 108 Brooklet Cir! This 5 bedroom 3 bathroom 3,016 sqft home is move in ready and ready for its new owner(s). BRAND NEW 2026 HVAC!! Vinyl plank floors throughout entire home, updated kitchen cabinets, stainless steel appliances. This home has space galore with many many closets. From the moment you enter the home you will feel like "Honey I'm home!" Formal living room and dining room with wainscoting accents! Downstairs has full Bedroom & bathroom! Great for guests or teenagers or even a mother in law suite. Huge den perfect for family fun nights. Upstairs has 4 additional bedrooms and a loft space that has a walk in closet!! Owners suite features double vanity, separate tub and shower, water closet and walk in closet. Spacious 2 car garage with Epoxy floors. 5 minutes to Kings Bay naval & Crab Island and less than an hour to Fernandina Beach!! This property is located in a desirable community Winding River Subdivision. This community features a Fitness Center, Picnic Area, Playground, Pool & Clubhouse & Maintenance grounds this great for growing families. Stop reading and schedule your showing today!!

108 Brooklet Circle, St. Marys

Listing courtesy of Watson Realty Corp.

$499,900

4 Beds ⋅ 3 Baths ⋅ 10799886 MLS

Rare & exceptional investment opportunity in the golf cart district of historical St Marys! This established vacation rental property offers the perfect addition to your portfolio or for your new family home. Experience the charm of downtown St. Marys in this beautifully renovated 4BR / 3BA 1,926 SQFT home situated just two blocks from the waterfront park & sits on a dead end street ending on the marsh. Features an open floor plan with inviting living room, dining area, & updated kitchen with quartz countertops, island with breakfast bar, refrigerator, stove, dishwasher, & built-in microwave. The upstairs primary suite offers plenty of privacy & includes double vanities & tub with shower. Start your mornings on the private side porch off the kitchen enjoying your breakfast & coffee. The lovely front porch is 18' x 6' with picturesque marsh views perfect for relaxing. Entertain in the evenings on the expansive 10' x 30' rear deck where you can see the sparkling lights of Fernandina under the beautiful starry sky. There is a newly built boat dock/Marina just two blocks away where you can dock your boat or sit on the docks for a peaceful evening view of the St Mays river. The city planed Hilton Hotel is positioned next to the marina docks making the location unbeatable. Walk or take a golf cart to the shops & restaurants or hop on the ferry to Cumberland Island & relax on the pristine beaches. Roof is only 4 years old! Heated & cooled by five mini-split AC units, allowing for individualized comfort in all areas of the home. All furniture is negotiable & there is a golf cart available for purchase. Adjoining 0.19-acre lot is also listed for sale!

206 E Weed Street, St. Marys

Listing courtesy of ERA Kings Bay Realty.

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