Listed by DANA M MERRILL of COMPASS FLORIDA LLC
BUILDER INCENTIVE! 2-point rate buy down or flex cash in the amount of $12,975 with an accepted offer by May 15th! Experience refined coastal living in this custom-built residence at Waterman's Bluff, a private 72-acre gated riverfront community on the scenic Bells River. With 2,186 sq. ft. under A/C (3,655 sq. ft. total), this 2-story, 3 bedroom, 2.5 bath home blends timeless Southern charm with upscale modern design. Inside, European white oak hardwood floors, tiled baths, and a gas fireplace set the tone for elegant living. The chef's kitchen is appointed with Bosch appliances, Silestone countertops, custom Cabico cabinetry, and Delta fixtures, showcasing craftsmanship at every turn. Outdoor porches invite relaxation and entertaining beneath century-old oaks, while the community offers private docks, a kayak launch, winding sidewalks, and tranquil marsh views. Minutes from Fernandina Beach and Amelia Island, Waterman's Bluff offers a rare combination of luxury and charm

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Federal 30-year interest rate: 6.49% last updated on Jun 25, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.

 "Based on information submitted to Northeast Florida Association of REALTORS as of July 1, 2026 9:47 PM UTC . All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing."

 
 

 

 

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