Nikole Vermilyea

Nikole Vermilyea cover

Nikole Vermilyea

@nikole-vermilyea

Nikole Vermilyea is an ERA Kings Bay Realty agent serving Camden County, Georgia, with 20+ years of financial expertise. A mom of two sports-loving boys, she helps first-time buyers and investors find their perfect home along coastal Georgia's beautiful coast.

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Camden County is an outdoor lover's paradise, with over 100 miles of Georgia coastline, the St. Marys and Satilla Rivers, Crooked River State Park, and Cumberland Island National Seashore all within easy reach. Whether you're into fishing, kayaking, hiking, or wildlife watching, this corner of coastal Georgia has something going on year-round.

St. Marys Trails and Waterways — Complete Outdoor Guide
travelmediapressroom.com
St. Marys Trails and Waterways — Complete Outdoor Guide

St. Marys is one of coastal Georgia's best outdoor destinations, with kayak rentals at Howard Gilman Waterfront Park, charter fishing through Fish Master Charters and Lang Charters, biking along the Georgia Coast Rail-Trail, and guided birding and eco-tours. Less than an hour north of Jacksonville, FL.

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Nikole Vermilyea
A Weekend on the Water in Kingsland and St. Marys
travelmediapressroom.com
A Weekend on the Water in Kingsland and St. Marys

Kingsland and St. Marys sit at the intersection of the St. Marys River, Crooked River, Satilla River, and the Intracoastal Waterway, making Camden County a fisherman's and paddler's paradise. Speckled trout, tarpon, flounder, and catfish are all on the menu here.

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Nikole Vermilyea
 Crooked River State Park — Fishing, Kayaking, and Camping
sherpaguides.com
Crooked River State Park — Fishing, Kayaking, and Camping

Crooked River State Park sits on 500 acres in St. Marys, adjacent to Naval Submarine Base Kings Bay and just a short paddle from Cumberland Island National Seashore. Fish for speckled trout, channel bass, and sheepshead from the dock, or launch a kayak right into the coastal wetlands.

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Nikole Vermilyea
Fishing Piers and Spots in Camden County Georgia
saltchef.com
Fishing Piers and Spots in Camden County Georgia

A complete map of every public fishing pier and launch in Camden County, including Howard Gilman Park pier in St. Marys, Satilla River Waterfront Park pier in Woodbine, and Dark Entry Creek fishing dock. All free or low-cost access points for local anglers.

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Nikole Vermilyea
 Paddle Georgia — Spring on the St. Marys River
garivers.org
Paddle Georgia — Spring on the St. Marys River

The St. Marys River is one of Georgia's most beloved paddling destinations, a Class I flatwater route through backwater oxbows, wildlife corridors, and tidal marshes near Kingsland and St. Marys. Georgia Rivers runs guided multi-day paddle trips here every spring, suitable for novice paddlers.

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Nikole Vermilyea
Cumberland Island National Seashore — Wild Horses and Pristine Beaches
nps.gov
Cumberland Island National Seashore — Wild Horses and Pristine Beaches

Cumberland Island is one of America's most extraordinary natural destinations, accessible only by ferry from St. Marys waterfront in Camden County. Wild horses roam the beach, loggerhead turtles nest on the Atlantic shores, and over 300 bird species call the island home year-round.

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Nikole Vermilyea

Buying your first home in Georgia's coastal communities, from Kingsland and St. Marys in Camden County to the greater Southeast Georgia region, is more achievable than most buyers realize. Georgia has some of the strongest first-time buyer programs in the Southeast, including the Georgia Dream program and the new Peach Advantage loan. Here's everything you need to get started with confidence.

 Georgia Dream Homeownership Program — Official DCA
dca.ga.gov
Georgia Dream Homeownership Program — Official DCA

The Georgia Dream program offers up to $10,000 in down payment assistance as a zero-interest second loan for first-time buyers across Georgia, including Camden County. It works with FHA, VA, USDA, and conventional loans and military buyers may qualify for additional assistance.

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Nikole Vermilyea
Georgia First-Time Homebuyer Programs 2026 — LendingTree
lendingtree.com
Georgia First-Time Homebuyer Programs 2026 — LendingTree

A comprehensive breakdown of all 46 Georgia homebuyer assistance programs, with 89% still funded as of late 2025. Covers income limits, forgivable loans, and how programs like Georgia Dream work specifically for buyers in Southeast Georgia coastal communities.

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Nikole Vermilyea
Georgia First-Time Homebuyer Guide — The Mortgage Reports
themortgagereports.com
Georgia First-Time Homebuyer Guide — The Mortgage Reports

Covers the Georgia Dream program, the Peach Plus program for public service workers, and how Camden County buyers can stack state and federal assistance to reduce upfront costs. Median Georgia home price sits at $367,000, well below the national average.

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Nikole Vermilyea
 Georgia Peach Advantage Loan — New Zero Down Option
ncsha.org
Georgia Peach Advantage Loan — New Zero Down Option

Georgia launched the Peach Advantage Loan Program in July 2025, offering a zero percent down payment option with a reduced first mortgage interest rate. Any borrower who qualifies for Georgia Dream is eligible, making it one of the most accessible programs available for Camden County buyers.

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Nikole Vermilyea
 Step-by-Step Guide to Buying Your First Home — Bankrate
bankrate.com
Step-by-Step Guide to Buying Your First Home — Bankrate

One of the most trusted resources for understanding the homebuying process from start to finish, covering mortgages, pre-approval, negotiations, and closing day. Especially useful for Camden County buyers going through the process for the first time.

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Nikole Vermilyea
Georgia First-Time Homebuyer Guide — Loan Pronto
loanpronto.com
Georgia First-Time Homebuyer Guide — Loan Pronto

A practical breakdown of Georgia Dream, Peach Plus, and national programs like FHA and USDA loans, all of which can be combined for maximum assistance. Includes tips on finding approved lenders in Southeast Georgia and what to expect from the homebuyer education requirement.

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Nikole Vermilyea

Camden County sits on Georgia's southernmost coast — just 25 miles north of Jacksonville, Florida — where historic St. Marys, laid-back Kingsland, and the wild shores of Cumberland Island define a lifestyle that's unhurried, scenic, and genuinely special. Whether you're drawn to the St. Marys River waterfront, the marshes of Crooked River, or the unspoiled beaches of Cumberland Island National Sea

Weekend Guide to St. Marys and Kingsland
coastalrootsrealty.com
Weekend Guide to St. Marys and Kingsland

A perfect introduction to Camden County's two main towns — historic St. Marys with its oak-lined waterfront streets and Kingsland with its local restaurants and neighborhood character. Great first read for anyone considering a move to coastal Georgia.

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Nikole Vermilyea
Kingsland and Camden County — Official Visitor and Community Guide
travelmediapressroom.com
Kingsland and Camden County — Official Visitor and Community Guide

Covers everything Camden County has to offer — from the Georgia Coast Rail-Trail in Woodbine to 700+ holes of golf within an hour's drive, 116 local restaurants, and access to Cumberland Island National Seashore just 9 miles away. A comprehensive look at what living here really looks like.

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Nikole Vermilyea
About Camden County — Official County Website
co.camden.ga.us
About Camden County — Official County Website

Camden County is home to three incorporated cities — Kingsland, St. Marys, and Woodbine — and covers over 600 square miles of coastal Georgia. It's also home to Naval Submarine Base Kings Bay and some of Georgia's most pristine natural landscapes.

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Nikole Vermilyea
Exploring Camden County — Insider's Guide to Local Attractions
camden-county.com
Exploring Camden County — Insider's Guide to Local Attractions

From the wild horses and loggerhead turtles of Cumberland Island to the Civil War-era ruins near Crooked River State Park, Camden County's natural and historical attractions make it one of coastal Georgia's most compelling places to call home.

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Nikole Vermilyea
Top 10 Coastal Towns to Live Along the Georgia and Florida Coast
atlanticsaltrealty.com
Top 10 Coastal Towns to Live Along the Georgia and Florida Coast

St. Marys and Kingsland both make this list of the Southeast's best coastal towns — St. Marys for its historic riverfront charm and Cumberland Island access, Kingsland for its affordable waterfront properties and small-town coastal character. Brunswick GA and Jacksonville FL are just a short drive away.

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Nikole Vermilyea
Savoring Southeast Georgia — Slow Travel Guide to Kingsland and St. Marys
rvingwithrex.com
Savoring Southeast Georgia — Slow Travel Guide to Kingsland and St. Marys

One of the most vivid and detailed guides to Camden County life — covering Crooked River State Park's palmetto-lined campsites, the Woodbine Opry's free bluegrass nights, Steffens Restaurant (a local legend since 1948), and the Cumberland Island ferry from St. Marys waterfront.

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Nikole Vermilyea