Refine Search
Map
Sort by
$24,900
10726354 MLS
This quiet, beautiful, homesite is in the premier coastal community of Cumberland Harbour. At the end of the road along the back of the cul-de-sac, this lot has an extensive privacy buffer of trees at the rear of the site. Enjoy fishing from the community dock or waterfront park. Play Pickleball, swim or workout in the fitness facility. Walk the miles of trails or launch your kayak into Point Peter Creek. The options for fun and recreation are endless! The proposed home design offers both a deep front porch and a private screened back porch for relaxing in the shade on a hot summer day. It includes a main floor master and two additional bedroom suites on the second level. All home designs must be approved by the Design Review Board but I'll be happy to assist in selection of one of the approved builders to partner with. Don't let this gem get away! Call me for a tour of Cumberland Harbour today!

110 Plank Lane, St. Marys

Listing courtesy of Atlantic Salt Realty.

$15,900
10719692 MLS
Imagine building your custom coastal retreat where every day begins with peaceful water views and ends with breathtaking sunsets. Located within the prestigious gated community of Cumberland Harbour this homesite provides you an opportunity to create something truly special. Cumberland Harbour is known for its resort-style coastal lifestyle, offering lush surroundings, walking trails, pools, fitness center, tennis, and waterfront access, all just minutes from historic downtown St. Marys and the Georgia coast. Here, nature and luxury blend seamlessly, creating a community where life moves at a more intentional, relaxed pace. This is more than a homesite - it's an opportunity to create a lifestyle centered around beauty, connection, and the water.

LOT 694 Mooring Lane, St. Marys

Listing courtesy of Atlantic Salt Realty.

$15,900
10719668 MLS
Tucked away in the prestigious coastal community of Cumberland Harbour, this homesite offers an opportunity to build your dream home in a serene, private setting. Residents enjoy access to resort-style amenities including pools, tennis courts, walking trails, and a state-of-the-art fitness center, all within a secure gated environment. Conveniently located near St. Marys and just a short drive from Jacksonville, this property combines natural beauty, luxury living, and everyday convenience-making it a rare find along Georgia's sought-after coast.

LOT 669 Starboard Court, St. Marys

Listing courtesy of Atlantic Salt Realty.

$12,500
10706995 MLS
EXCEPTIONAL WOODED HOME SITE WITH MATURE TREES LOCATED IN CHARLESTON PLACE INSIDE CUMBERLAND HARBOUR. THIS BEAUTIFUL HOMESITE OFFERS A NATURAL SETTING WITH ESTABLISHED TREES, CREATING BOTH PRIVACY AND CHARM FOR YOUR FUTURE COASTAL RETREAT. CUMBERLAND HARBOUR HAS BEEN AWARDED IDEAL LIVING MAGAZINE'S TOP 100 COMMUNITIES FOR TEN CONSECUTIVE YEARS. RESIDENTS ENJOY A 24/7 GUARDED ENTRY ALONG WITH AN IMPRESSIVE ARRAY OF AMENITIES INCLUDING THREE SWIMMING POOLS, SIX TENNIS COURTS, PICKLEBALL COURTS, A CONFERENCE AND FITNESS CENTER, PLAYGROUND, FISHING SPOTS, AND BOAT/RV STORAGE. THE AMENITIES CENTER EVEN FEATURES CONVENIENT GOLF CART AND BICYCLE PARKING. EXPERIENCE THE COASTAL LIFESTYLE WITH A WIDE VARIETY OF ACTIVITIES AVAILABLE RIGHT INSIDE THE COMMUNITY. PLEASE NOTE THAT ENTRY INTO CUMBERLAND HARBOUR REQUIRES ACCOMPANIMENT BY A LICENSED REAL ESTATE AGENT OR A RESIDENT.

600 Charleston Way, St. Marys

Listing courtesy of Coldwell Banker Access Realty.

$12,500
10706984 MLS
EXCEPTIONAL WOODED HOME SITE WITH MATURE TREES LOCATED IN CHARLESTON PLACE INSIDE CUMBERLAND HARBOUR. THIS BEAUTIFUL HOMESITE OFFERS A NATURAL SETTING WITH ESTABLISHED TREES, CREATING BOTH PRIVACY AND CHARM FOR YOUR FUTURE COASTAL RETREAT. CUMBERLAND HARBOUR HAS BEEN AWARDED IDEAL LIVING MAGAZINE'S TOP 100 COMMUNITIES FOR TEN CONSECUTIVE YEARS. RESIDENTS ENJOY A 24/7 GUARDED ENTRY ALONG WITH AN IMPRESSIVE ARRAY OF AMENITIES INCLUDING THREE SWIMMING POOLS, SIX TENNIS COURTS, PICKLEBALL COURTS, A CONFERENCE AND FITNESS CENTER, PLAYGROUND, FISHING SPOTS, AND BOAT/RV STORAGE. THE AMENITIES CENTER EVEN FEATURES CONVENIENT GOLF CART AND BICYCLE PARKING. EXPERIENCE THE COASTAL LIFESTYLE WITH A WIDE VARIETY OF ACTIVITIES AVAILABLE RIGHT INSIDE THE COMMUNITY. PLEASE NOTE THAT ENTRY INTO CUMBERLAND HARBOUR REQUIRES ACCOMPANIMENT BY A LICENSED REAL ESTATE AGENT OR A RESIDENT.

504 Charleston Way, St. Marys

Listing courtesy of Coldwell Banker Access Realty.

$59,990
10703052 MLS
This homesite in beautiful Cumberland Harbour is on a pond with five homesites. One home is currently built. Very private with beautiful views of the pond, trees, turtles and awesome bird life. This site is large enough for an estate style home and is a short walk away from the amenities center. The home featured in the pictures is a rendering for illustration only. All home plans need Design Review Board approval. Rendering is a home plan from Southern Living.

106 Storey Avenue, St. Marys

Listing courtesy of Atlantic Salt Realty.

$29,900
10697280 MLS
Build your dream home inside Cumberland Harbour one of coastal Georgia's most prestigious and beautiful communities. This corner site is ideally situated close to the community entrance and sits in a quiet and peaceful section of the community. This second-row marsh site offers incredible views and sits opposite community park land. Pick one of the approved builders to craft and build your dream home. The amenities are exceptional, which include three pools, fitness center, tennis courts, pickleball courts, meeting room and day dock with kayak launch. RV-Boat storage is also available. Book an appointment to see this homesite today!

LOT 821 Stern Street, St. Marys

Listing courtesy of Atlantic Salt Realty.

$59,900
10693978 MLS
Beautiful marsh front lot with a spectacular sunrise over Cumberland Island and Intercoastal waterways in Cumberland Harbour Subdivision, a gated community at the Southeast GA/FL border. Unbelievable price for a marsh front lot! Minutes away from Jacksonville Int'l Airport and Jacksonville's shops, schools and well known medical facilities. State of the art amenities include 3 swimming pools (one heated), 6 tennis courts, pickleball courts, racquetball court, day dock for boaters and water sports, fitness center, walking trails for nature lovers and much more. Schedule an appointment today to view this beautiful lot!

311 Galley Lane, St. Marys

Listing courtesy of ERA Kings Bay Realty.

$60,000
10690222 MLS
Beautiful lakefront lot on Cumberland Harbour Blvd. 103'x154', .38acres estate lot across the street from Day Dock and facing Southeast with sunrise and sunset view on the lake. Walking distance to all amenities, parks and racquetball court. Cumberland Harbour is a gated community with state of the art amenities and nature reserve. Ideal location for boat owners and nature lovers. Minutes ride to Intercoastal Waterways and Atlantic Ocean. Conveniently located to major highways, minutes drive to Jacksonville Int'l Airport. Schedule a viewing of this beautiful building lot today!

V/L 81, 306 Cumberland Harbour Boulevard, St. Marys

Listing courtesy of ERA Kings Bay Realty.

$325,000
10690076 MLS
Here is your chance to build your dream home on a large partially cleared waterfront lot overlooking Amelia Island and Intercoastal Waterways. Minutes boat ride to Cumberland Island and Atlantic Ocean. A gated community and location like no others in SE Georgia in Historic St Marys. This community offers seclusion and serenity. Only minutes to local shops and schools. Conveniently located, short drive to Jacksonville Int'l Airport, and Jacksonville's shops and well-known medical facilities. State of the art amenities including tennis courts, pickleball courts, racquetball courts, swimming pools (one heated), Spring house for large gatherings, fitness center, day dock for boats, boat & RV storage and nature trails. Gated community. Schedule a viewing today!

V/L 59 Timucuan Court, St. Marys

Listing courtesy of ERA Kings Bay Realty.

$62,000
10689526 MLS
Marsh front building site on cul-de-sac in the gated community of Cumberland Harbour! With no required time frame to build, buy now and build when the time is right for you. Home rendering shown in listing is an idea of acceptable home for this property - Seller willing to share architectural plans with offer. Subject to ARB approval. Cumberland Harbour offers a community day dock, tennis, basketball, pickleball courts, 3 pools, gym and community room.

105 Helm Court, St. Marys

Listing courtesy of St. Marys Realty Inc.

$42,500
10686387 MLS
Come build your Low Country style home on this beautiful .33 of an acre Lot in Cumberland Harbour. Located in the southern section of the community that is filled with moss draped oaks along with nearby South Point Park, you will be able to experience Cumberland Harbours vast nature and serenity. If you are looking for an active community, Cumberland Harbour has lots of amenities including: Pickleball, Tennis and Basketball Courts, Swimming Pools, Fitness Center, Day Dock, trails etc.

V/L 594 Tattnal Lane, St. Marys

Listing courtesy of Iron Valley Real Estate Coastal GA.

$759,900
3 Beds ⋅ 3 Baths ⋅ 10682861 MLS
This Arthur Rutenberg custom home offers quality craftsmanship, an open layout, and beautiful water views. Hardwood floors run throughout the main living areas, connecting the living and dining spaces to a well-designed kitchen with custom cabinetry, stainless steel appliances, and a double oven. Large windows and fully retractable sliding glass doors fill the home with natural light and open to peaceful lake views. The front porch overlooks scenic coastal marshland, while the backyard features a screened lanai with summer kitchen, vented gas grill, heated saltwater pool, and spa-ideal for relaxing or entertaining. Three bedrooms provide comfortable private retreats, complemented by three well-appointed bathrooms. Additional features include a gas fireplace, central vacuum system, spacious tiled laundry room with cabinetry and sink, and high-quality finishes throughout. A three-car garage offers ample space for vehicles, storage, or a hobby area. Optional transferable membership to The Club at Osprey Cove includes gated access, clubhouse dining, resort-style pool with tiki bar, golf, fitness center, tennis courts, and more. Conveniently located near beaches, medical facilities, cultural venues, and just 30 minutes from Jacksonville International Airport.

2491 Isles Of St Marys Way, St. Marys

Listing courtesy of eXp Realty.

$39,000
10681727 MLS
.38 Wooded lot in beautiful Cumberland Harbour. Amenities include 3 pools one is heated, 6 tennis courts, 2 pickle ball courts, poolside roofed over patio with fireplace for cool evening meetings, a gathering place with kitchen and bar for larger gatherings, day dock, and kayaking. Tree Survey and under brushing are complete. Real Estate Agent must accompany for entrance into community. Seller is a Licensed Real Estate Agent in the state of Florida.

106 Overlook Lane, St. Marys

Listing courtesy of BHHS Hodnett Cooper RealEstate.

$80,000
10674214 MLS
A marshfront site in prestigious Cumberland Harbour. Craft that perfect home with our Signature Builders and get that Coastal Dream started. This site boasts views over an expansive marsh to the Intracoastal Waterway and Cumberland Island. Enjoy ocean breezes and marvelous sunrises. When not enjoying the views relax at the amenities center with pools, tennis, fitness, pickleball, bocce', playgrounds and more. The 24/7 manned gated security provides peace of mind as you experience the Life Coastal! Start that journey today with a call. Play, Relax, Explore...Cumberland Harbour.

Stern #769 Street, St. Marys

Listing courtesy of Atlantic Salt Realty.

$72,500
10667102 MLS
Discover an exceptional opportunity to build your coastal dream home on this expansive 0.45-acre homesite in the premier gated community of Cumberland Harbour. Situated in an area that does not require flood insurance, this lot offers both peace of mind and ample space for creating a custom residence surrounded by nature, privacy, and luxury living. Cumberland Harbour is renowned for its impressive lineup of resort-style amenities, thoughtfully designed for comfort, wellness, and recreation. Residents enjoy three swimming pools, a fully equipped fitness center, tennis and pickleball courts, scenic walking and biking trails, and beautifully maintained parks and green spaces. The community provides direct access to the Intracoastal Waterway and surrounding waterways with a community day dock-ideal for boating, fishing, and exploring the coast. Convenience is also a standout feature. This homesite is just minutes from historic downtown St. Marys, charming shops and restaurants, top-rated schools, and the ferry to Cumberland Island National Seashore. Easy access to I-95, Kings Bay Naval Base, and Jacksonville International Airport makes commuting and travel effortless. With its generous size, excellent location, and no flood insurance requirement, this Cumberland Harbour lot is an outstanding canvas for crafting your perfect coastal retreat. Owner is a licensed agent in the state of Florida.

LOT 281 Clubhouse Circle, St. Marys

Listing courtesy of Monarch & Third Real Estate.

$20,000
10654071 MLS
A beautiful lot under the majestic oak trees in Cumberland Harbor Subdivision walking distance to the south end waterfront park. Cumberland Harbour is a gated community like no others in St Marys, GA. State of the art amenities include 2 adult pools, one heated, 1 kiddie pool, poolside roofed over porch with fireplace for cool evening gatherings, another roofed over patio with kitchen and bar area for large meetings and parties. 6 tennis courts, 2 pickleball courts, fitness center, playgrounds for kids, a day dock to park boats, fishing and watersports. Walking trails for nature lovers. RV storage area. All amenities included in the annual HOA fee of $1875 a year. Come and build your dream home in this beautiful boat lovers neighborhood.

V/L 1005 Doubloon Court, St. Marys

Listing courtesy of ERA Kings Bay Realty.

$18,900
10648365 MLS
Located in the Park Place enclave at Cumberland Harbour this site enjoys alley access to garage, out of the flood zone and a genuine neighborhood environment. Relax on your front porch, sidewalks on both sides of the street and the shade of trees encourage lively interaction with fellow residents. When not socializing enjoy incredible amenities that include pools, pickleball, tennis, croquet, fitness and more. Build that Dream Home with our Signature Builders, pour yourself a sweet tea and meet your Low-Country lifestyle. Play, Relax, Explore...Cumberland Harbour.

209 Placid Road, St. Marys

Listing courtesy of Atlantic Salt Realty.

$18,900
10648362 MLS
Located in the Park Place enclave at Cumberland Harbour this site enjoys alley access to garage, out of the flood zone and a genuine neighborhood environment. Relax on your front porch, sidewalks on both sides of the street and the shade of trees encourage lively interaction with fellow residents. When not socializing enjoy incredible amenities that include pools, pickleball, tennis, croquet, fitness and more. Build that Dream Home with our Signature Builders, pour yourself a sweet tea and meet your Low-Country lifestyle. Play, Relax, Explore...Cumberland Harbour.

207 Placid Road, St. Marys

Listing courtesy of Atlantic Salt Realty.

$46,900
10648319 MLS
Enjoy the Coastal Lifestyle on this corner site backing up to open space with Point Peter Creek just across the street bringing ocean breezes. South Point Park is a short walk away with the Day Dock, Kayak Launch, Playground, Croquet pitch and more a golf cart ride away. The Amenities Center has pools, tennis, pickleball, fitness, basketball and playgrounds. When not enjoying all the amenities, craft your dream home with our Signature Builders. The site allows for a variety of plan options. With open space behind, you have privacy that you can enjoy with the peace of mind from 24/7 manned/gated security. Your coastal journey starts right here, right now... Cumberland Harbour.

600 South Point Boulevard, St. Marys

Listing courtesy of Atlantic Salt Realty.

$679,900
3 Beds ⋅ 3 Baths ⋅ 10634151 MLS
Welcome to this beautiful 3-bedroom, 2.5-bathroom NEW CONSTRUCTION home in the sought-after gated community of Cumberland Harbour! With extensive upgrades throughout, this very spacious, southern living-inspired floor plan offers a welcoming presence the moment you enter! Step inside the large great room with gorgeous hardwood floors, a vaulted ceiling, a stacked brick fireplace, and a wall of windows capturing the natural light. The open-concept floor plan encompasses the great room, kitchen, and dining areas, providing ideal spaces for dining and entertaining with family and friends. The primary suite on the main level serves as a luxurious retreat with a generous walk-in closet and a spa-like bath with dual vanities, a separate soaking tub, and a glass-enclosed shower. The great room opens to a large, screened-in, covered rear patio overlooking a beautifully landscaped, private backyard with a wooded common area beyond. Located in an ideal setting with views of the community lake in front, natural wooded common area behind the house, and a very short walk to the community amenities, including the clubhouse, swimming pool, tennis courts, fitness center, and walking trails. Come and enjoy all this NEW CONSTRUCTION home has to offer in highly desirable Cumberland Harbour! Please call for more information or to schedule a tour of the home at your convenience!

110 Clubhouse Circle, St. Marys

Listing courtesy of BHHS RPA Realty.

$74,900
10634162 MLS
Generous half acre homesite with lakefront access located in the sought after gated community of Osprey Cove. This golf course community offers fantastic amenities such as a Club House with restaurant, Pro Shop, fitness center, tennis courts, boat ramp, swimming pool and Tiki Hut that looks out to the St. Mary's River. Don't miss out! Schedule your private showing today!

1040 Greenwillow Drive, St. Marys

Listing courtesy of Iron Valley Real Estate Coastal GA.

$49,000
10624590 MLS
Build your dream home on this beautiful 0.65-acre lakefront lot in the Clear Lake section of Osprey Cove! Enjoy peaceful water views, a cul-de-sac location, and the freedom to build with your choice of builder. The lot is treed and the surrounding manicured. It offers wonderful privacy. Osprey Coves gated community features golf, a clubhouse, pool, tennis, fitness, and deepwater access, all minutes from I-95 and Kings Bay Naval Base. You must be escorted by your agent to view.

103 Angler Lane, St. Marys

Listing courtesy of Coldwell Banker Access Realty.

$67,900
10624284 MLS
Estate size lot in prestigious Cumberland Harbour on a quiet street with plenty of room for a three car garage and a home plan of your dreams! This community has plenty of activities from taking paddle boards or kayaks out at the day dock, swimming in the Jr. sized Olympic pool where you can also meet your neighbors for water aerobics, play pickle ball, basketball, bocce or head to South Point to check out the sweeping views of Florida and Cumberland Island. Card games, monthly get togethers, books clubs, and mens' workout group, are all activities just waiting for you to come purchase this site and build a stunning home! *Depiction of home plan in photos has not received Design Review Board approval; this is only a suggestion for the homesite size.

106 Tacatacoru Court, St. Marys

Listing courtesy of Atlantic Salt Realty.

$715,000
4 Beds ⋅ 3 Baths ⋅ 10611352 MLS
NEW ROOF INSTALLED APRIL 2026! Experience refined coastal living in Osprey Cove, the premier gated golf and waterfront community in St. Marys, Georgia. This exceptional Arthur Rutenberg custom home offers 3,219 square feet of beautifully designed single-level living with 4 bedrooms, 3 full baths, a private office, formal living and dining rooms, and a spacious family room. Designed with timeless elegance, the home showcases hardwood flooring, custom solid wood cabinetry, and plantation shutters throughout. Expansive windows and thoughtfully placed living spaces capture serene views of the 13th green while creating an inviting atmosphere for both everyday living and entertaining. The chef's kitchen is the heart of the home, featuring a large center island, natural gas 5-burner cooktop, double wall ovens, premium appliances, and a walk-in pantry. The open floor plan flows seamlessly into the family room, where two sets of hurricane-rated sliding glass doors frame picturesque golf course views beyond a natural wooded buffer. The luxurious primary suite is a peaceful retreat with private lanai access and beautiful golf course views. The primary ensuite offers a soaking tub, oversized walk-in shower, dual vanities, and two generous walk-in closets. The screened lanai is designed for year-round enjoyment, with multiple seating and entertaining areas, plus a vented exhaust system for outdoor grilling. The backyard is pre-wired for a future private pool, making it easy to create your own outdoor oasis. Additional highlights include a dedicated home office near the front entry, spacious secondary bedrooms and baths, a well-equipped laundry room with cabinetry and utility sink, and a 3-car garage with staircase access to a large floored attic for exceptional storage and convenient system access. Built for durability and peace of mind, the home features hurricane-rated cable construction from slab to roof for enhanced wind resistance and potential insurance savings, along with gutter leaf guards for low-maintenance living. Offering the perfect blend of luxury, functionality, and breathtaking golf course views, this remarkable home is ideal for entertaining, relaxing, and enjoying the exceptional lifestyle that Osprey Cove has to offer. Schedule your private showing today and discover everything this extraordinary home has to offer. BACK ON THE MARKET AT NO FAULT OF THE SELLER!

221 Osprey Circle, St. Marys

Listing courtesy of BHHS Hodnett Cooper RealEstate.

$19,000
10587285 MLS
This lot is across the street from the pond so that no one will be building in front or disrupting your view. No time limit to build. This gated community has three pools, pickle ball courts, tennis courts, outdoor entertainment areas, fitness center, a day dock, fishing ponds, and a place to store your boat or camper. You must be accompanied by a licensed agent to enter community.

207 Galley Lane, St. Marys

Listing courtesy of BHHS Hodnett Cooper RealEstate.

$48,000
10582825 MLS
Quaint and quiet waterfront community? CHECK! Low-country coastal neighborhood? CHECK! So many amenities that you scarcely need to leave the neighborhood? CHECK! You finally found it! Welcome to Cumberland Harbor! This homesite is prefect for those looking for a little extra privacy. It is situated on a corner in a small cul-de-sac with a limited number of homes. Depending on your home design, you have multiple options in terms of entry points to the garage and overall design layout. The property has many trees and a nice 50-foot buffer in the rear, adding to its privacy. The location is also prime because it is an easy walk to a long list of amenities covered under your low POA fee. And the current owner will pay for the first 12-months of POA fees for the new buyer! All of these amenities will be free for the first year. These include the swimming pools, tennis courts, pickleball courts, fitness center, multiple playgrounds and parks. The property also has access to South Point Park for fishing or watching the sunrise over Cumberland Island. You can also enjoy miles of nature trails, a community dock with a kayak launch, take a short boat ride to Cumberland Island or the Fernandina marina. This community has all the beauty and privacy you desire yet less than forty-five minutes to the Jacksonville International Airport or city shopping. Cumberland Harbour has remained true to the low-country Southern home style with front porches for sweet tea and moss-draped live oaks for plenty of summer shade. The current owner had a lovely home designed for this site and are willing to share its complete plans with a new owner. Alternatively, you can work with one of the twelve approved custom home builders to create your own slice of heaven. These designs must be submitted and approved by the Design Review Board. As part of our services, we can help you work together with one of the approved builders to prepare the proper design. As always, all home plans must be reviewed and approved by the design review board. Schedule your tour of Cumberland Harbour and this beautiful building site today.

100 Amberjack Loop, St. Marys

Listing courtesy of Atlantic Salt Realty.

$149,900
10559544 MLS
Cumberland Harbour Marshfront Living! Seize the opportunity to own a premium homesite as there is limited availability in the marshfront homesites. This is a great opportunity to build your coastal low country home that offers expansive views with stunning sunsets that looks out to the North River. Cumberland Harbour Community features tennis courts, pickle ball, RV parking and boat storage, three swimming pools,fitness center, covered pavillion for events, playgrounds, parks, 24 hour manned gated entrance, walking trails, day dock and so much more. Come today to explore this coastal community, that offers fantastic amenities and nature oriented lifestyle. Don't let this opportunity pass you by! Call today for your tour.

205 Becket Road, St. Marys

Listing courtesy of St. Marys Realty Inc.

$195,000
10372632 MLS
Beautiful Marsh/Deep Water Lot on Point Peter Creek. Located in the gated community of Cumberland Harbour with 24/7 gate guard, manicured common areas, amenities include pools, tennis courts, pickle ball courts, fitness center, day dock, playground, stocked lakes, bike trails, parks. A wonderful place to build your home. There is NO TIME LIMIT to Build.

211 Overlook Lane, St. Marys

Listing courtesy of BHHS Hodnett Cooper RealEstate.

board logo

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.

© 2026 Georgia MLS. All rights reserved. Information Deemed Reliable But Not Guaranteed.