Discover an unparalleled opportunity to acquire a truly exceptional loft residence nestled in the vibrant heart of historic Downtown Fernandina Beach. This furnished urban penthouse offers not only the charm of historic downtown but also immediate access to the 13 miles of pristine beaches of Amelia Island. This top-floor sanctuary is one of only three to boast an expansive 700 sq.ft. private rooftop terrace, offering a serene escape with captivating partial water views. The gourmet kitchen features bespoke European cabinetry, marble countertops, 14-foot island and a suite of professional-grade Wolf and Sub-Zero appliances. The luxurious appointments extend to the spa-like baths, where marble shower tiling and high-end fixtures create an atmosphere of refined indulgence. Recently integrated custom walnut wood-paneled walls, complete with an electric fireplace and 4ft x 9ft Italian porcelain floor tiles, infuse the living areas with warmth and sophisticated ambiance. Practical elegance abounds with custom California Closets thoughtfully installed in both bedrooms, the pantry, and the hall closet, ensuring impeccable organization. A unique architectural feature, the alternating-step staircase leading to the private rooftop terrace, has been artfully fashioned from original church pews, a subtle homage to the building’s rich history. Beyond the confines of this private oasis, residents are invited to indulge in the building’s magnificent community rooftop, a generously proportioned and exquisitely furnished space perfect for sunset cocktails and panoramic water vistas. Further enhancing the allure of this exclusive address is a substantial 900 sq.ft. guest suite, a rare amenity available for the exclusive use of owners.