2866 E Church Oak DR

St George, UT 84790

$539,495

3 beds
2 baths
1,701 sq ft
0.06 acres
Built 2022

Listed by FIV REALTY CO · MLS #26-274097

2866 E Church Oak DR, St George, UT 84790 — photo 1

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PROPERTY QUESTIONS & SHOWINGS

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2866 E Church Oak DR, St George, UT 84790 · MLS #26-274097

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A FEW THINGS TO NOTICE

What stands out.

Living spaces

Offering a functional open floor plan, this home is designed for comfortable everyday living and effortless entertaining.

Year built

Built in 2022.

Garage parking

2 garage spaces listed.

Highlights from the listing description and property details. Confirm features with the listing agent.

THE PROPERTY

Get to know the property.

Welcome to this beautifully maintained 3-bedroom, 2-bath home in one of St. George's desirable HOA communities! Offering a functional open floor plan, this home is designed for comfortable everyday living and effortless entertaining. The spacious living areas are filled with natural light, while the well-appointed kitchen flows seamlessly into the dining and living spaces.

The private primary suite provides a relaxing retreat with an en-suite bath, while two additional bedrooms offer flexibility for family, guests, or a home office.

Enjoy a low-maintenance lifestyle with HOA amenities that include a lazy river, pool, pickleball courts and front and back yard maintenance, allowing you more time to relax and enjoy the community pool. Whether you're looking for a full-time residence, a second home, or an investment property, this home offers the perfect combination of comfort, convenience, and easy living.

Ideally located near shopping, dining, parks, golf, and all that St. George has to offer, this is an exceptional opportunity to enjoy Southern Utah living at its best!

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THE NEIGHBORHOOD

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2866 E Church Oak DR, St George, UT 84790

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LOCAL MARKET CONTEXT

Washington County housing market

See the broader conditions surrounding this property through ERA Brokers Consolidated research.

12-month price trend$526,803Up 0.8% vs. the previous 12 months

Months of supply5.612-month average

Days on market8012-month weighted average

Latest available data: August 2026. Research by ERA Brokers Consolidated.

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These figures describe the broader reporting area and do not determine this property’s value, condition, availability, or likely sale price.

THE DETAILS

The details, all in one place.

Property type: Residential
Category: Residential
Year built: 2022
Garage spaces: 2
Cooling: Central Air, None
Heating: Natural Gas
Utilities: Electricity Connected, Natural Gas Connected
Parking: Attached
Zoning: Residential
Parcel: SG-WOO-2-39
HOA fee frequency: Monthly
Elementary school: Riverside Elementary
Middle school: Crimson Cliffs Middle
High school: Crimson Cliffs High
Annual property tax: $3,108.00
HOA fee: $230.00

Features and school information are supplied by the listing source. Confirm measurements, school assignments, HOA terms and rental restrictions before making a decision.

OWNERSHIP, WITH A PLAN

Investor outlook.

Explore this property’s rental potential with an all-cash purchase. Monthly rent starts at 5% of the purchase price per year, divided by 12. Adjust it and the other assumptions to explore your scenario.

These are planning assumptions, not a rental appraisal or a loan quote. The starting rent is a price-based estimate; a local leasing professional can help confirm market rent.

Investor outlook assumes an all-cash purchase. No mortgage payment is deducted.

Estimated monthly cash flow · cash purchase$1,146.71

Estimated monthly rent$2,247.90

Cap rate2.80%

Annual operating income: $15,109.24

HOA: Includes $230.00 per month in HOA dues, converted from the $230.00 monthly fee reported by the listing source.

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Purchase price

Rental income & operating costs

Estimated monthly rent

Purchase price × 5% ÷ 12. Updates with purchase price until you enter a custom rent.

Vacancy allowance (%) Management fee (%) Maintenance reserve (%) Capital reserve (%)

Annual property tax

Annual insurance

Annual insurance starts at purchase price × 0.25%, rounded to the nearest available amount. Updates with purchase price until you choose another amount.A planning estimate, not an insurance quote. Adjust it for your property and coverage.

Monthly HOA

Other monthly costs

Percentages are editable examples, not ERA fee quotes. Management is applied to rent after vacancy; maintenance and capital reserves use scheduled rent. Add owner-paid utilities, mortgage insurance and other recurring expenses under other costs.

How this scenario is calculated

Annual operating income is rent after vacancy, management, maintenance, taxes, insurance, HOA and other operating costs, before financing and capital reserves. Cap rate divides annual operating income by purchase price. Estimated monthly cash flow assumes an all-cash purchase: rent after vacancy, management, maintenance, taxes, insurance, HOA, other operating costs and capital reserves. No mortgage payment is deducted. The mortgage calculator is separate; loan payments would reduce cash flow for a financed purchase. One-time acquisition costs, renovations, income taxes, depreciation and appreciation are excluded.

Mortgage payment calculator

Explore financing separately. These loan settings do not change the all-cash investor outlook.

Mortgage assumptions

Down payment (%) Interest rate (%) Loan term

20% down and 7% interest are illustrative starting values.

Estimated monthly principal & interest—Loan payment only. Excludes property taxes, homeowners/flood insurance, mortgage insurance and HOA dues.

About this payment estimate

Based on a fixed-rate, fully amortizing loan with monthly payments and the price, down payment, interest rate and term you select. The interest rate is an example, not a current rate offer or APR; APR includes certain loan costs. This is an illustration, not a Loan Estimate, approval, offer of credit or commitment to lend.

Your actual payment, rate and eligibility depend on your lender, credit, loan program and property. Closing costs, points, prepaid expenses and lender fees are not included. Taxes and insurance may change, and mortgage insurance may be required, particularly with a down payment below 20%. Ask your lender for a Loan Estimate and a complete monthly payment including applicable taxes, insurance and fees.

Dollar results are rounded to the nearest cent; calculations retain precision until display. A cash purchase has no loan payment but still has ownership costs. Understand your total home payment (CFPB).

ERA PROPERTY MANAGEMENT

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Listing information

MLS #26-274097 · Washington County MLS

Listing brokerage: FIV REALTY CO
Listing agent: Nazar Kalayji

Listing status: Active. Record updated September 11, 2026. Confirm current availability and price with the listing agent.

The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of the Washington County Board of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Real estate listings held by brokerage firms other than ERA Brokers Consolidated, are indicated by detailed information about them such as the name of the listing firms. Information deemed reliable but not guaranteed. Copyright © 2023 Washington County Board of REALTORS®. All Rights Reserved.