Kingsland, GA Home Loans

Kings Bay is the east coast home of the Navy’s Ohio-class submarine force, and its stated job is to support the fleet, the fighter and the family. The base hosts Submarine Group 10, the senior commander there; the Trident Training Facility, the first technical school after basic submarine training; the Trident Refit Facility, with what the Navy calls the largest covered dry dock in the Northern Hemisphere; Strategic Weapons Facility Atlantic, where the D-5 missile is assembled; and the Naval Submarine Support Center, which serves Submarine Squadrons 16 and 20.

As a Vetted VA Professional, Debbie Haberny can answer VA purchase questions for Sailors, officers and retirees around the base, and our team handles the rest with you. A Certificate of Eligibility is the first step in a VA home loan, and veterans, active-duty service members, Guard and Reserve members and surviving spouses can request one.

Kingsland

Kingsland is a city of 21,299 people by the Census Bureau’s July 2025 estimate, up 16.9 percent from its April 2020 estimates base of 18,218. For 2020 to 2024 the Census lists 2,219 veterans, a $251,400 median owner-occupied value, a 67.3 percent owner-occupied share, median gross rent of $1,275 and a 29.8-minute mean commute. Without traffic it is about 14 minutes from City Hall to the Stimson Gate and 17 to the Franklin Gate. Kingsland Elementary won Georgia’s Military Flagship School Award in 2025.

Woodbine

Woodbine is the Camden County seat, on the south bank of the Satilla River, and its own site puts Brunswick about 30 minutes away and Jacksonville about 40. The Census Bureau estimates 1,084 residents for July 2025, against a 2020 base of 1,059. Without traffic it is about 28 minutes from City Hall to the Stimson Gate and 31 to the Franklin Gate. Camden County’s government offices are at 200 E 4th Street.

Yulee, FL

Yulee, in Nassau County, Florida, counted 14,195 residents in the 2020 census. For 2020 to 2024 the Census lists a $302,500 median owner-occupied value, a 78.9 percent owner-occupied share, median gross rent of $1,754, 1,507 veterans and a 26.3-minute mean commute. Without traffic it is about 24 minutes from the area center to the Stimson Gate. Under Florida’s Purple Star Campus law, a designated school names a military liaison, and 5 percent or more of its controlled open enrollment seats are reserved for military students.

Fernandina Beach, FL

Fernandina Beach has an estimated 13,869 residents and the highest median owner-occupied value of the places measured, $555,400, with 80.5 percent of homes owner-occupied and 37.8 percent of residents 65 or older. The Census lists 1,457 veterans and a 22.3-minute mean commute. Without traffic it is about 44 minutes from City Hall to the Stimson Gate and 45 to the Franklin Gate, the edge of the commute radius.

These are Census estimates, not price quotes. For 2020 to 2024 the Census puts the middle value of an owner-occupied home at $261,400 across Camden County, $251,400 in Kingsland and $312,300 in St. Marys, and the middle gross rent at $1,235, $1,275 and $1,183. About 68 percent of Camden County homes are owner-occupied, as are 67 percent in Kingsland and 61 percent in St. Marys.

Growth continues: the county issued 446 building permits in 2025, and St. Marys’ estimate is up 11.4 percent from its April 2020 estimates base. Just across the state line, Nassau County, Florida, reports a $382,800 median owner-occupied value and 1,060 permits in 2025. Before you commit to a home with a homeowners association, get the monthly dues, the covenants and any pending assessments in writing.

Schools. Camden County Schools serves about 10,000 students in nine elementary schools, two middle schools and one comprehensive high school with a Ninth Grade Center. Military and Family Life Counselors serve every school, and the Navy’s School Liaison also works with Nassau County, Florida. Georgia’s Military Flagship School Award honors schools with targeted outreach to military families; in 2025 it went to Camden County High School, Kingsland Elementary and Matilda Harris Elementary, and Sugarmill Elementary is on the 2025-2026 list. Check any address with the district before you offer.

Gates. The Navy lists the Stimson Gate, at Kings Bay Road and Spur 40, as open 5 a.m. to 6:30 p.m. Monday to Thursday and from 5 a.m. Friday, remaining open 24 hours through the weekend. The Franklin Gate, at Spur 40 and St. Marys Road, is open 24 hours Monday to Thursday, 5 a.m. to 6 p.m. Friday, and closed weekends and holidays. The Jackson and Madison gates stay open around the clock. The Navy says hours can change at any time, so check its gate page before you drive, including for when the Stimson Gate closes after the weekend.

Drive Times. The Stimson Gate is about 10 minutes from St. Marys, 14 from Kingsland, 24 from Yulee, 28 from Woodbine and 44 from Fernandina Beach (typical drive without traffic, measured October 7, 2026, OpenStreetMap routing; see the table above).

Getting There. From Kingsland the way in is East King Avenue (Georgia 40) to Kings Bay Road; from I-95 it is St. Marys Road to Spur 40. GDOT is preserving bridges at seven I-95 locations in Camden, Glynn and McIntosh counties, including the St. Marys Road and Harriett’s Bluff Road overpasses, with a current completion date of January 31, 2027.

The Census lists a mean travel time to work of 28.3 minutes in Camden County, 29.8 in Kingsland and 26.2 in St. Marys for 2020 to 2024; those describe all workers, not base commutes. Basic Allowance for Housing follows your rank, dependents and duty station, and the Department of Defense’s official lookup has the number. We keep allowance figures off this page, but with your figure in hand we can walk through what each part of Camden County would cost you.

Georgia’s property tax rules help some disabled veterans. The state’s veterans agency lists a homestead exemption of up to $121,812 for 2025, the newest figure on its page, for an honorably discharged Georgia veteran who is rated 100 percent disabled, is entitled to that level because of unemployability, or holds a VA statutory award such as one for permanently losing the use of a hand, a foot or eyesight, and an unremarried surviving spouse can keep it. Applications go to your county tax commissioner’s office, or the assessor in some counties, by April 1, and the amount follows a federal index.

Across the line in Nassau County, Florida, a homestead exemption can cut taxable value by as much as $50,000 and brings the Save Our Homes limit on assessment increases. An ex-servicemember with a disability of 10 percent or more may be entitled to $5,000 off, a veteran with a total and permanent service-connected disability may qualify for a full exemption, and the property appraiser takes applications until March 1.

County Loan Limits. No VA loan limit applies to a veteran with full entitlement, provided we approve the amount and the appraisal supports the price. County limits matter with partial entitlement, for example when an earlier VA loan still uses part of it. FHFA’s 2026 one-unit limit is $832,750 in Camden County, Georgia, and in Nassau County, Florida.

Flood and Storm Surge. FEMA requires flood insurance on a home in a high-risk flood zone when the home loan is backed by the federal government, and an ordinary homeowners policy does not cover flood. Camden County’s Community Rating System rating of 6 gives unincorporated residents a 20 percent discount on flood insurance premiums, and the county lists storm surge among the hazards that hurricane winds bring. St. Marys requires new and substantially improved buildings in flood hazard areas to be elevated to at least the base flood elevation. The county has four evacuation zones, from the barrier islands in Zone A to everything west of I-95 in Zone D. Check a home’s flood zone and its evacuation zone, and price a policy, before you write an offer; your real estate agent can run the lookup with you.

See Navy Housing before you sign anything. The commanding officer’s welcome letter tells newcomers to check in with their sponsor and command, then visit the housing office before negotiating housing. Families can use the Housing Early Assistance Tool to apply for privatized housing before they leave their current command, and the Fleet and Family Support Center offers information and classes on buying a home. Before you leave on a house-hunting trip, ask us to start your Certificate of Eligibility and get you pre-approved.

Plan for visitors. The Navy says the Stimson, Franklin and Madison gates are not open to the public, so anyone without a military ID or base credential must be credentialed or escorted.

Plan for school and spouse paperwork. The Navy’s School Liaison, listed on the Camden County Schools military page, helps with transitions, special needs navigation and deployment support at (912) 573-8986. Georgia enacted the Interstate Compact on Educational Opportunity for Military Children in April 2012. House Bill 880 lets an eligible spouse of an active-duty service member who holds a valid license from another state work in Georgia while an expedited application is pending, though a profession under an interstate compact Georgia has joined, such as nursing, may need regular endorsement instead.

On base, family housing is privatized through Balfour Beatty Communities, and the Navy Housing Service Center processes applications and refers Sailors to the property manager. The center at 1083 USS Andrew Jackson Drive, Building 180, can give the current projection of availability and the wait list at (912) 573-2056. Unaccompanied Sailors go through Unaccompanied Housing at 980 USS Tennessee Avenue, Building 1070.

Off base, the Housing Service Center keeps a list of inspected rentals and helps with lease reviews and Basic Allowance for Housing questions. The commanding officer’s letter describes choices from affordable houses and apartments to homes on acreage and gated country-club communities. If buying fits your plans, we can help with a VA purchase, and your real estate agent can fill in neighborhood and school-zone details.