Osprey Cove Homes under $400,000

Welcome to Osprey Cove, an enchanting subdivision nestled in the picturesque city of St. Marys, Georgia. This charming community offers a perfect blend of southern hospitality, natural beauty, and modern convenience, making it an ideal place to call home. Located in Camden County, Osprey Cove is renowned for its lush landscapes, serene waterways, and a vibrant atmosphere that welcomes families and individuals alike.

Osprey Cove is particularly appealing for those seeking quality homes under $400,000. Here, you will find a variety of thoughtfully designed residences that cater to diverse lifestyles. From cozy single-family homes to spacious townhouses, each property is crafted with attention to detail, featuring modern amenities and stylish finishes. The affordability of these homes makes Osprey Cove an attractive option for first-time buyers, growing families, and retirees looking to downsize without compromising on quality.

The community itself is rich with amenities, including a stunning golf course, walking trails, and recreational facilities that encourage an active and social lifestyle. Residents enjoy easy access to nearby parks, shopping centers, and the beautiful coastline, providing endless opportunities for outdoor adventures and relaxation.

In Osprey Cove, you’re not just buying a home; you’re investing in a lifestyle. Experience the charm of this vibrant community, where the warm Georgia sun shines brightly on your future. Come discover your dream home in Osprey Cove today!

Newest Osprey Cove Homes under $400,000

$399,900

4 Beds ⋅ 4 Baths ⋅ 1661823 MLS

Welcome to 213 Cardinal Circle West, where every day feels like a getaway. Nestled on an oversized corner lot in coastal Georgia's premier gated community, this beautifully appointed 4-bedroom, 3.5-bath home is your gateway to the Osprey Cove lifestyle. Step inside to soaring vaulted ceilings, an open and flexible floor plan, and sun-drenched living spaces designed for both entertaining and everyday ease. The home's versatile layout accommodates four full bedrooms or converts effortlessly to a home office, media room, or bonus suite — perfect for relocating families, remote professionals, or anyone craving that extra space. But the real magic is just outside your door. Take a dip in your private pool. Kayak the St. Marys River, dock at the community boat launch, or hop the ferry to Cumberland Island. Jacksonville International Airport is just 25 minutes away. With 24/7 manned gate security, walking trails, a vibrant social calendar, and resort-caliber amenities — all in a community ranked among Georgia's best — this is the coastal lifestyle you've been waiting for. The price has been refreshed. Now the only question is when you want to move in.

213 W Cardinal Cir, St. Marys

$390,000

3 Beds ⋅ 2 Baths ⋅ 1658219 MLS

Don't miss this charming, well maintained three bedroom, two bathroom, 1809 square foot home for sale in Osprey Cove, a desirable gated golf community in coastal Georgia. This move in ready residence offers a comfortable and inviting layout. The spacious living room features a wood-burning fireplace and opens directly to a screened patio which overlooks a private backyard. The open living and dining rooms are ideal for everyday living and entertaining. The kitchen, equipped with new stainless steel appliances, connects seamlessly to the main living spaces and serves as a central point for cooking and gathering. The generous owner's suite includes two walk-in closets and an ensuite bathroom with a separate soaking tub, walk-in shower and double vanities. A split floor plan places two additional bedrooms and a full bath on the opposite side of the home, offering privacy for family or guests. This home has been lovingly cared for over the years, ensuring it is clean, solid, and ready for its next chapter. Additional features include a laundry room, alarm system, and a private well with irrigation system to maintain the lush and low maintenance landscaping. Memberships at The Club at Osprey Cove are available, providing access to world-class amenities including a Mark McCumber designed golf course, Har-Tru tennis courts, fitness center, swimming pool, walking trails and a community boat dock. Located minutes from NSB Kings Bay with convenient access to the Golden Isles, Amelia Island beaches, Jacksonville International Airport, dining, shopping and coastal recreation.

223 Cardinal Cir W, St. Marys

$375,000

4 Beds ⋅ 3 Baths ⋅ 1658267 MLS

Beautifully maintained 4-bedroom, 3-bathroom home located in the desirable gated community of Osprey Cove. This spacious residence features high ceilings, tile flooring except in bedrooms, it is a bright, open layout. The kitchen offers thoughtful upgrades including a gas stove, smart refrigerator, and gas already plumbed to the screened porch-perfect for adding a future grill. Enjoy outdoor living with a screened porch and a fully fenced yard ideal for relaxing or entertaining. HOA dues cover the upkeep of common areas and gated entrances. Residents also have the option to add social and/or golf memberships for additional amenities.

107 Holm Pl, St. Marys

$368,000

3 Beds ⋅ 2 Baths ⋅ 1661980 MLS

235 Cardinal Circle West is a rare opportunity to enjoy the Osprey Cove lifestyle at an exceptional value. Nestled on a quiet cul-de-sac in one of St. Marys’ most sought-after gated communities, this beautifully maintained home offers comfort, privacy, and an inviting coastal lifestyle—all at an attractive entry price for the neighborhood.Set on a large private lot, the home is framed by mature trees in the backyard and lush landscaping in the front, creating a peaceful setting you’ll love coming home to. Inside, the thoughtfully designed floor plan features durable LVP flooring throughout the main living areas, soaring 10-foot ceilings in the formal dining room, and a spacious great room that flows seamlessly into the kitchen—perfect for entertaining or everyday living. The garage even features stunning epoxy flooring for a polished finish. Additional highlights include a gas water heater for energy efficiency and the pride of ownership that shows throughout the home.For buyers looking to get into Osprey Cove without compromising on quality, this home is an incredible value and a chance to enjoy one of coastal Georgia’s premier communities.Osprey Cove offers optional membership access to resort-style amenities, including a championship golf course, River Club with a junior Olympic pool and fitness center, tennis courts, dining options, walking trails, and private river access with a boat ramp leading directly to the Intracoastal Waterway and Atlantic Ocean. Whether you enjoy boating, kayaking, fishing, or simply relaxing, adventure is always just minutes away.Perfectly positioned, this home offers both privacy and convenience. Historic downtown St. Marys is just minutes away, where you’ll find charming streets draped in Spanish moss, waterfront dining, boutique shopping, and the Cumberland Island ferry—your gateway to untouched beaches and natural beauty. Jacksonville and Amelia Island are both less than 40 minutes away, offering endless opportunities for work and recreation.For military families, the location is especially ideal, with Kings Bay Naval Base only 4 miles away for an easy commute while still enjoying the tranquility of Osprey Cove. Jekyll Island, Amelia Island, and Jacksonville International Airport are all within easy reach, making travel and weekend getaways effortless.At 235 Cardinal Circle West, every day feels like a vacation. Whether you’re searching for a full-time residence, a peaceful coastal retreat, or a smart opportunity to own in an outstanding neighborhood at a great value, this home truly delivers. Schedule your private showing today and discover the lifestyle that makes Osprey Cove so special.

235 Cardinal Cir W, St. Marys

$349,850

3 Beds ⋅ 2 Baths ⋅ 1660700 MLS

Welcome to The Sanctuary in Osprey Cove, where low-maintenance living meets thoughtful upgrades in this 3-bedroom, 2-bath home. Recent improvements include a new HVAC (Jan 2024), new bedroom carpet (Nov 2024), Generac generator, and whole-home water purification system. The open layout features 9+ ft ceilings, tile floors, and a spacious kitchen with granite countertops and custom cabinetry. The breakfast area includes a built-in hutch with wine rack and opens to a heated and cooled sunroom. The great room offers a gas fireplace with built-ins, plus a separate dining area for entertaining. The split floor plan provides privacy, with a light-filled owner’s suite featuring tray ceilings, walk-in closets, and a tiled shower with multiple shower heads. Two additional bedrooms sit on the opposite side, including one with French doors—perfect for an office. Enjoy easy living with lawn care included, along with 24-hour gated security and maintained common areas. Optional golf and social memberships provide access to the pool, tennis, fitness center, and clubhouse. Conveniently located near Kings Bay Naval Base, Historic St. Marys, I-95, beaches, and Jacksonville International Airport. Schedule your showing today!

1604 Sandpiper Ct, St. Marys

$350,000

3 Beds ⋅ 2 Baths ⋅ 1660584 MLS

Inside the gates of Osprey Cove, a golf course community, this home is more than just a place to live, it's where fun meets function! With three bedrooms and a dedicated office, there's space to spread out without losing that cozy, welcoming vibe. The living room steals the show with a shiplap accent wall, custom built-ins, and a fireplace that makes the room feel extra cozy. The kitchen has been given new life with fresh cabinets, sleek appliances, and lighting that makes every meal feel like you paid too much at a fancy restaurant. The bathrooms have spa-inspired finishes that make getting ready or winding down the best part of your day. The primary bedroom is oversized and dreamy, complete with two closets, dual vanities, and a tiled glass shower in the en suite. Open one of the three French doors and step onto your oversized porch with beautiful wood ceilings and screens to keep the pesky GA bugs out. The three-car garage offers a courtyard entrance and plenty of storage, while extras like a water softener and lawn care included in the HOA keep things simple. And outside, your backyard is framed with mature flowering shrubs and crape myrtles that are beautiful, colorful, and low-maintenance. This home is bright, airy, and full of thoughtful touches, ready to welcome you in!

1610 Sandpiper Ct, St. Marys

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Listings provided courtesy of Triangle MLS, Inc. of NC, Internet Data Exchange Database. Information deemed reliable but not guaranteed. © 2026 Triangle MLS, Inc. of North Carolina. Data last updated .

Osprey Cove Homes under $400,000

Newest Osprey Cove Homes under $400,000

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