105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Hero Image
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105
Biltmore
St. Simons | Georgia

The Grace of

Tropical Design

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Patrick Dunn
Patrick Dunn
Presented At
$1,185,000
Bedrooms
3
Bathrooms
2
Living
2,006
SQFT
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 1
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 2
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 3
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 4
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 5
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 6
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 7
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105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 10
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 11
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 12
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 13
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105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 17
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 18
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 19
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 20
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 21
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 22
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 23
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 24
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 25
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 26
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 27
105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. - Photo 28
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105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States. , St. Simons , Georgia 31522

Island Home with Elegant Modern Updates

105 Biltmore – Recently Remodeled and Move-In Ready! 105 Biltmore has been thoughtfully updated and offers everything you need for comfortable Island living. This 3-bedroom, 2-bath home spans 2,006 square feet and features a fenced backyard with plenty of space to add a pool. Inside, hardwood floors flow throughout, complemented by a bright sunroom and a versatile bonus room—currently used as a study but easily adaptable as a formal dining room or additional family room. The spacious master suite is a true retreat, featuring a sitting area filled with natural light, a luxurious remodeled bath (2019), and large walk-in closets. Two additional guest bedrooms share a beautifully updated bath (2020). The step-down great room boasts a generous fireplace and abundant natural light, opening seamlessly into the sunroom and kitchen. The kitchen offers quartz countertops, recently updated appliances, a breakfast nook, and a convenient wet bar. Recent updates include a new roof and air conditioning system (2019), ensuring peace of mind for years to come. Perfectly sized for Island living, 105 Biltmore is within walking distance to the Retreat Clubhouse and Davis Love Grill, with the additional amenities of the Island Club just a short stroll away.

Gallery

3D Street View Tour

Map showing 105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States.

Property Location

105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States., St. Simons Georgia

Local Weather & Climate

St. Simons, Georgia

Current Conditions Updated recently
88 °F
Scattered clouds
Feels Like 89°F
Humidity 45%
Wind 6 mph
Visibility 6.2 mi
Sunrise 11:41 AM
Sunset 11:30 PM
5-Day Forecast
Tue 10 Mar
Clouds
High 86°
Low 86°
Wed 11 Mar
Clouds
High 82°
Low 67°
Thu 12 Mar
Clouds
High 73°
Low 63°
Fri 13 Mar
Clear
High 67°
Low 53°
Sat 14 Mar
Clear
High 72°
Low 57°
Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around St. Simons?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

$
%
$100,000
%
Estimated Monthly Payment $3,160
Monthly Payment Breakdown
Principal & Interest $2,528
Loan Amount $400,000
Total Interest $337,621
Total Cost $737,621
Potential Tax Benefits (United States)
$0 Est. First Year Interest Deduction
$0 Est. Annual Tax Savings
*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.

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Important Information
  • This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
  • Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
  • Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
  • This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
  • Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
  • Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.

Market Opinion

Above Average 1.6× median

Our perspective on current market conditions in St. Simons. For informational purposes only — always consult a licensed real estate professional before making decisions.

Neutral Market
Balanced conditions. Negotiate wisely.
59
Buyer Score
Homes are taking 95 days to sell - more time to negotiate
Homes selling 4.1% below asking price on average

Local Market Price Trends

Median home sale prices in St. Simons, Georgia — ZIP code 31522 over the last 24 months. This shows how property values in this neighborhood have changed over time, helping you understand whether the market is appreciating, stable, or cooling.

This property is listed at $1,185,000
Area median: $762,500
+4.4% year-over-year (near the 3.5% historical avg)

Market Competition

95 days
Days on Market
Above typical
95.9%
Sale-to-List Ratio
Below asking

Future Value & Wealth Building

Starting investment: $1,185,000 20% down ($237,000)

24.3 years
Double Your Investment
Based on current market trends, your property value could double
$763,405
10-Year Equity
Your potential equity after 10 years of payments and appreciation
$6,307
Monthly Investment
Estimated monthly mortgage payment (principal & interest)
$2,792,420
30-Year Wealth Potential
Total equity after full mortgage payoff with market appreciation
3.2x
Leverage Power
Your $237,000 down payment could grow to $763,405 in equity (10 yrs)
Investment Perspective
$ $ $
$1 → $1.33
Every dollar invested today could become $1.33 in 10 years
$100 → 133 $1,000 → $1,331
+$94
$94/day
Your home may appreciate while you sleep
$661/week $2,862/mo $34,346/yr
$100K Investment Comparison (10 Years)
Real Estate (Leveraged)
$265K
S&P 500 Index
$259K
High-Yield Savings
$155K
Real estate leverage: potential 2% advantage over stocks
RENT 💸 -$652K
vs
OWN 📈 +$763K
$763K Potential Equity
vs $652K lost to rent over 10 years
$237K Down Payment Growth
3.2x
10yr
$763K
6.6x
20yr
$1.6M
11.8x
30yr
$2.8M
Wealth Comparison
×7
Equivalent to 7 average US homes
top 5%
US household wealth ranking
Median: $193K Yours: $2.8M
Time to Double Your Investment (accounting for market cycles)
42.4
years
Conservative
1.65% effective/yr
15.7
years
Optimistic
4.5% effective/yr
Projected Home Values (adjusted for market cycles)
10 Years
Conservative $1.4M +18%
Market $1.6M +33%
Optimistic $1.8M +55%
$763K est. equity
20 Years
Conservative $1.6M +39%
Market $2.1M +77%
Optimistic $2.9M +141%
$1.6M est. equity
30 Years
Conservative $1.9M +63%
Market $2.8M +136%
Optimistic $4.4M +275%
$2.8M est. equity

Historical Market Context

How current appreciation compares to long-term averages

National Long-Term Average
4.27 %
1967 – 2024
57 years of U.S. home price data
Recent Decade Average
6.5 %
2014 – 2024
Post-recovery bull market
Historical Norm
Current 3.8% appreciation is in line with historical norms. Conservative projections are well-grounded.

Projections account for historical market cycles (~12% corrections every 6 years). Effective annual growth after corrections: 2.9%. Market scenario reflects current 3.8% YoY trend from Redfin (Feb 2026). These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Data from U.S. Census Bureau, World Bank, Zillow, and Redfin | Market data updated Feb 2026

Neighborhood Demographics

ZIP 31522 • 2022 ACS Data

17,453 Population
Median Age: 58.0
$99,738 Median Income
Above Average
$456,400 Median Home Value
Rent: $1,509
54.6% College Graduates
High

Housing

Homeowners 55.0%
Renters 10.8%
Vacancy Rate 34.2%

Employment

2.5% Unemployment
17.9% Work From Home

Education Attainment (Age 25+)

High School+ 95.8%
Bachelor's+ 54.6%
Graduate+ 21.8%
Data from U.S. Census Bureau American Community Survey 2022

Frequently Asked Questions

Common questions about this property

This house at 105 Biltmore, St Simons Island, GA, 31522, USA, St. Simons, Georgia, United States features 3 bedrooms with 2,006 square feet of living space.
This property offers 2,006 square feet of living space.
This property is listed at $118,500,000, which equals $59073 per square foot.
In St. Simons, home prices have increased 4.4% over the past year, homes typically sell within 95 days, it's currently a unknown. These market conditions can affect pricing strategies and negotiation opportunities.
Based on current market indicators, St. Simons shows an active market. The market opportunity score is 59 out of 100, reflecting factors like price trends, inventory levels, and days on market.
This is a house located in St. Simons, Georgia. The property is situated in an established neighborhood with convenient access to local amenities and services.
Patrick Dunn

Patrick Dunn

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