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