Seller reports approximately $90,000 in upgrades already completed, allowing buyers to avoid today's higher construction costs and move in with luxury features in place. The Ortega floor plan by Riverside Homes offers refined craftsmanship and a level of finish that stands out within Amelia Walk. This 4-bedroom, 3-bath, 3-car garage home features a desirable three-way split floor plan, soaring tray ceilings, and thoughtfully selected finishes throughout. The chef's kitchen anchors the living space with Viatera Forte quartz countertops, ceiling-height shaker cabinetry, Frigidaire Gallery appliances, a Sharp microwave drawer, an oversized island, and a spacious pantry with abundant storage. The owner's suite offers a private retreat, featuring a sitting area, spa-style bath, freestanding soaking tub, and a seamless glass shower with floor-to-ceiling tile. Outdoor living is designed for both enjoyment and functionality, featuring a heated saltwater luxury spa, expanded screened enclosure marble decking, privacy landscaping, and a fully fenced yard. The wide lot offers usable outdoor space beyond the screened living area. Additional highlights include upgraded lighting, crown molding, surround-sound, and security system with cameras, electric shades on sliders, a large laundry room with cabinetry, and a generator connection. Located on a quiet cul-de-sac adjacent to green space, residents enjoy resort-style amenities and convenient access to Amelia Island beaches, historic downtown Fernandina Beach, golf, dining, and Jacksonville International Airport. VA ASSUMABLE LOAN available to eligible VA buyersoffering potential interest-rate and payment savings.