Fresh, refined, and effortlessly coastal, this 2023-built home at 523 S. 13th Terrace offers modern island living just minutes from downtown Fernandina Beach. Designed with soaring vaulted ceilings, abundant natural light, and elevated designer finishes, the open-concept layout flows beautifully from a chef-inspired kitchen with quartz countertops, stainless appliances, and a statement island into inviting living and dining spaces made for entertaining. Upstairs, spacious bedrooms with walk-in closets provide comfort and privacy, while the serene primary suite lives like a true retreat. All major systems are new as of 2023, offering energy efficiency, modern construction standards, and the low-maintenance lifestyle today’s buyers value most. Step outside to a raised patio and fenced backyard, creating the perfect setting for morning coffee, evening gatherings, or quiet nights under the stars. A one-car garage and manageable lot size make everyday living easy and convenient. Whether you’re biking to the waterfront, exploring the boutiques and restaurants of Centre Street, or heading to the beaches of Amelia Island for sunset, this location makes daily life feel like a getaway. Ideal as a primary residence, second home, or investment opportunity, this move-in ready property delivers style, simplicity, and the unmistakable charm of coastal living  all within one of Fernandina Beach’s most desirable in-town settings. Are you ready to LOVE WHERE YOU LIVE?