Whether you're dreaming of a furnished island retreat, searching for a smart investment, or ready to make Amelia Island your home, this charming 3-bedroom, 2-bath cottage checks all the boxes. Built with durable concrete block construction and sold partially furnished, this move-in-ready property offers the flexibility to enjoy as a full-time residence, second home, vacation getaway, or income-producing investment. Inside, vinyl plank flooring flows throughout the home, while the thoughtfully designed layout makes the most of every square foot and provides easy everyday living. Step outside to a fully fenced backyard featuring multiple fruit trees, a spacious storage shed, and plenty of room for pets, entertaining, gardening, or simply enjoying the island lifestyle. Two separate driveways provide an abundance of off-street parking for family, guests. And with short-term rentals permitted, the possibilities extend well beyond personal enjoyment. Just minutes from everything that makes Fernandina Beach special, you're approximately five minutes from the ocean and only two minutes from historic downtown, putting local restaurants, shopping, entertainment, and attractions right at your fingertips. Opportunities like this are becoming harder to find! Come see why this island cottage deserves a spot at the top of your list!