St. Marys Homes with Three Or More Levels

Welcome to St. Marys, Georgia, a charming coastal town nestled in Camden County, where southern hospitality meets breathtaking natural beauty. Known for its picturesque waterfront views and rich history, St. Marys offers a unique blend of small-town charm and modern amenities. With its proximity to the stunning Cumberland Island National Seashore, residents and visitors alike can enjoy pristine beaches, lush landscapes, and abundant wildlife.

St. Marys is not just a place to live; it's a community where families thrive and friendships flourish. The city's vibrant downtown area features delightful shops, cozy cafes, and a variety of local restaurants, making it a perfect spot for leisurely strolls and social gatherings. The area is also home to excellent schools, parks, and recreational facilities, ensuring that there's something for everyone.

If you're looking for a home that offers ample space and versatility, St. Marys boasts an impressive selection of properties with three or more levels. These multi-story homes provide the perfect canvas for creating your dream living space, whether you envision a cozy family retreat, a home office, or a guest suite. With spacious layouts and modern designs, these homes are ideal for families seeking both comfort and functionality.

Embrace the St. Marys lifestyle, where every day feels like a vacation. Whether you're exploring the charming streets, enjoying outdoor activities, or settling into your spacious multi-level home, St. Marys is a place where memories are made and dreams come true. Discover your perfect home in this enchanting coastal town today!

Newest St. Marys Homes with Three Or More Levels

$1,150,000

4 Beds ⋅ 3 Baths ⋅ 10816282 MLS

Stunning MARSH VIEWS overlooking the St. Marys River with southern exposure awaits you at 109 Carousers Cove! This 2020, Parr Builders built home has all the high-end, custom details you're looking for in a home and offers a coastal modern flare. Highlights include 2x6 exterior framing, metal roof, oversized waterproof deck (recently painted), RV charging outlets in garage, 220V electrical panels, Generac back-up generator, spray foam insulation, and custom wood shelving in all closets. These owners completed a full bathroom upstairs to include a walk-in shower and added new landscaping and irrigation front and back. Additional pluses of this home are the open layout, abundant natural light, ample storage throughout, linear fireplace with tile wall surround, chef's kitchen with high-end stainless appliances, automatic water softener and seller's are conveying 3 TVs (TV in great room is a Sony Bravia 9, 85 inch) and all equipment in the heated and cooled home gym. Don't miss out on this opportunity to capture a 4 bed, 3 bath home with a view that can't be beat!

109 Carousers Cove, St. Marys

Listing courtesy of St. Marys Realty Inc.

$800,000

3 Beds ⋅ 4 Baths ⋅ 10786993 MLS

Beautiful marsh front coastal-style home surrounded by magnificent moss-draped live oaks. Welcome to Cumberland Harbour, an award winning waterfront coastal community with resort style amenities. Marsh view homes don't come on to the market often in this community so here's your chance! Relax on the shaded and covered front porch, surrounded by nature. Take in the expansive marsh views as you begin your morning with coffee or unwind at the end of the day on the covered back porch. Enjoy the private and fenced backyard. You'll want to spend time outdoors with views and decks like these. The main floor has all that you need for day-to-day living with an open concept living area that flows easily between inside and out. Unwind in the spacious master suite with access to the rear deck. A main level laundry and separate powder room for guests add to the conveniences. The dining area is surrounded by windows and that spectacular marsh view. The kitchen has a large island and high end stainless appliances. Upstairs you'll find two generous sized bedrooms, closets with built-ins and a shared full bathroom. An upstairs bonus room boasts the best view in the home with a marsh facing deck to top it off. Make this a home office worthy of envy, a library or family gathering room. It smartly includes a Murphy Bed making it multi-purpose. Tucked away you will find easily accessible attic storage in each of the bedrooms. This well designed home lives comfortably. The drive under garage has space for two cars, ample storage for your outdoor toys and a bonus room or gym space, complete with a 3/4 bathroom that makes clean up easy after a day out on the water or on the courts. Do you crave more space and privacy? Or a place to build a home for another family member? The adjacent homesite is also for sale. Cumberland Harbour is a gated and private coastal community with such an abundance of amenities that there's seldom a reason to leave. Enjoy social events, walking trails, Pickleball, a community dock, tennis, basketball, a fitness center, multiple pools, including a heated salt water lap pool and so much more! Come take a private tour and see for yourself why Cumberland Harbour has won so many national awards. Make 109 Becket your next and final stop.

109 Becket Road, St. Marys

Listing courtesy of Atlantic Salt Realty.

$1,750,000

4 Beds ⋅ 4 Baths ⋅ 10784510 MLS

A truly one-of-a-kind waterfront estate, privately situated on 4.8 acres with breathtaking marsh views, a resort-style swimming pool, and private deepwater dock, all just minutes from historic downtown St. Marys. Offering more than 4,600 square feet of living space, this Lowcountry-inspired home features a dramatic Great Room with soaring 21-foot ceilings and a stunning floor-to-ceiling stone fireplace. Designed for both everyday living and entertaining, the expansive floor plan includes a formal dining area, sitting room, and TV/media room adjacent to the kitchen. The kitchen offers generous workspace, stainless steel appliances, a walk-in pantry, and a raised bar overlooking the living area. The primary suite is a peaceful retreat with marsh and pool views, spacious closets, and tiled walk-in shower. The lower level features a private guest suite with its own entrance and bath, convenient access to the pool area, office space, and extensive storage. Upstairs, two additional bedrooms and a full bath feature custom tongue-and-groove knotty pine, and two loft areas overlook the Great Room below. The backyard is a coastal oasis featuring an impressive 30' x 56' swimming pool, expansive entertaining spaces, and a private deepwater dock complete with a covered pavilion. Whether boating, fishing, kayaking, hosting gatherings, or simply enjoying spectacular sunsets over the marsh, the setting is nothing short of extraordinary. The home's expansive wraparound porch received national recognition as the winner of the 2007 "America's Finest Porch" contest, a fitting tribute for the property and remarkable surroundings. Opportunities to own an estate of this size, privacy, and waterfront presence are rare. Located in an established St. Marys neighborhood, this exceptional property offers convenient access to Kings Bay Naval Submarine Base, Cumberland Island, Amelia Island, Fernandina Beach, Jacksonville International Airport, FLETC, Brunswick, and the Golden Isles.

613 Kings Way, St. Marys

Listing courtesy of St. Marys Realty Inc.

$370,000

3 Beds ⋅ 3 Baths ⋅ 10784460 MLS

Coastal Oasis with breathtaking marsh views! Nestled on approximately half an acre. This stunning three-level home offers the perfect blend of privacy and convenience-enjoy no city taxes while remaining just minutes from shopping, dining, and local amenities. Designed to capture the beauty of its surroundings, the spacious primary suite occupies the top floor and features incredible marsh views. The second level includes two additional bedrooms, a full bathroom, a bright living room with soaring ceilings and a fireplace, a dining area, and a well-appointed kitchen. Brand-new windows across the front and sides of the home showcase the spectacular marsh scenery and fill the living spaces with natural light. The community is served by a shared well and this home has a private septic system. An elevator shaft area is already in place, offering the option to install an elevator in the future. Out back, you'll find a peaceful pond setting, a dedicated garden area, and a large storage building with plenty of room for tools, equipment, or hobbies. The first floor already includes a bedroom and bathroom and offers excellent potential for additional living space with the addition of heating and cooling. Please note that this area is not currently included in the home's listed square footage. Brand new garage doors. This coastal retreat truly has it all-stunning views, flexible living space, and an unbeatable location. Schedule your private showing today!

265 Alexander Court, St. Marys

Listing courtesy of Watson Realty Corp.

$1,100,000

7 Beds ⋅ 7 Baths ⋅ 10755875 MLS

The Goodbread House - a cornerstone of St. Marys hospitality, with more than 400 guest reviews that say it all. Circa 1870 Victorian B&B located on Osborne Street in the heart of downtown, one block from the Cumberland Island ferry and steps from the waterfront. 3,798 sq ft across two levels with seven bedrooms and seven full baths, including six private guest suites. Seven fireplaces, double-stacked front verandas, formal dining room, entertaining parlor, sunroom, and original hardwood floors. Situated on a 260-foot deep lot with a detached garage ideal for ADU or owner's quarters conversion. Guests arrive for the destination and return for the experience - relaxed coastal mornings, walkability, and a level of charm that's increasingly hard to replicate. A proven, fully turnkey business with a $193 average nightly rate, consistent over three years. 9.7/10 on Booking.com and over 400 reviews across major platforms. Recent updates include roof, electrical, plumbing, and HVAC. Offered fully furnished with all FF&E and operational systems in place. Three years of verified financials and a full Investment Prospectus available. St. Marys is entering a new phase of growth, driven by the proposed expansion of the Cumberland Island ferry, the 2026 debut of Taylor Morrison Esplanade resort community with 1,300 homes and championship golf, and the enduring economic presence of Naval Submarine Base Kings Bay just minutes away. Contributing structure within the National Register Historic District. Private showings by appointment.

209 Osborne Street, St. Marys

Listing courtesy of Compass.

$565,000

3 Beds ⋅ 4 Baths ⋅ 10688515 MLS

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

114 Riverfront Circle, St. Marys

Listing courtesy of eXp Realty.

$849,900

3 Beds ⋅ 4 Baths ⋅ 10533873 MLS

STUNNING, EXPANSIVE, & BEAUTIFUL ARE JUST A FEW OF THE WORDS TO BEST DESCRIBE THE VIEW YOU HAVE OF THE MARSH FROM THE DIFFERENT BALCONIES, VERANDAS, AND HOME THAT THIS LISTING PROVIDES. This 4 level traditional with contemporary flair is in excellent condition and located in the heart of downtown St. Marys. From the garage level take your OWN ELEVATOR to access the 3 different living spaces. The first level has a great entertainment area and two bedrooms. One has a full bath with shower and could be your primary suite if you chose. The other is only steps away from the 1/2 bath and perfect for children or guests. Located on the main level is a great room with fireplace, beamed and vaulted wood stained ceiling, dining area and kitchen. Throughout the home there are solid wood doors and gorgeous hardwood floors. Large primary bedroom has a nice tile bathroom and great closet space. Only steps above the main level is a nice private space for office, work out room, or just your own quiet reading room. You might find it very hard to concentrate on your book when you keep taking a sneak peak of the beautiful views outside the windows. IN ADDITION TO ALL OF THE ABOVE THE DOWNSTAIRS GARAGE SPACE HAS 2 SEPERATE ROOMS THAT COULD BE A KITCHEN, BATH AND SMALL BEDROOM & SITTING AREA FOR A SMALL VRBO. MAKE YOUR APPOINTMENT TODAY TO SEE THIS GREAT LISTING!!!

304 E Dillingham Street, St. Marys

Listing courtesy of St. Marys Realty Inc.

Start Your Search

We do not attempt to independently verify the currency, completeness, accuracy or authenticity of the data contained herein. It may be subject to transcription and transmission errors. Accordingly, the data is provided on an “as is” “as available” basis only and may not reflect all real estate activity in the market. © 2026 REsides, Inc. All rights reserved. Certain information contained herein is derived from information, which is the licensed property of, and copyrighted by, REsides, Inc.