MUST SELL DUE TO JOB RELOCATION! Priced below market value and offering exceptional value, this move-in-ready 4-bedroom, 3-bath home is a rare opportunity in the gated community of Waterman's Bluff. NO CDD fees and a LOW HOA, making this one of the best values in Northeast Florida. Situated on a 0.35-acre preserve lot at the end of a quiet cul-de-sac, this fully fenced property offers outstanding privacy, no rear neighbors, and plenty of room to build your dream pool. Designed with both comfort and flexibility in mind, the open-concept floor plan is filled with natural light and features a sought-after multigenerational layout with a private upstairs suite complete with a bedroom, full bath, and walk-in closet--perfect for guests, extended family, or a home office. Quality upgrades include hardwood flooring throughout, crown molding, dining room wainscoting, built-in speakers, a gas fireplace, and a gas range. The chef's kitchen boasts granite countertops, stainless steel appliances, pull-out cabinet drawers, upper and lower cabinet lighting, an oversized island with seating, a breakfast nook, and a spacious pantry. Additional features include custom closets, a beautifully renovated downstairs bathroom, interior attic access, and an oversized garage. Experience exclusive access to the Bells River, a private fishing dock, kayaking, canoeing, scenic nature trails, and breathtaking sunsets. Conveniently located near Jacksonville International Airport, Kings Bay Naval Base, top-rated hospitals, shopping, dining, A-rated schools, and the beautiful beaches of Fernandina Beach. Schedule your private showing today before this opportunity is gone!