Welcome to this beautifully maintained 3-bedroom, 2.5-bathroom home located in the gated community of Oyster Bay. Situated on nearly half an acre in a non-flood zone, this property offers peace of mind, in a walkable community to enjoy the outdoors. Inside is a spacious floorplan, featuring a main-level master suite for added convenience and privacy. Upstairs are the additional bedrooms, with a shared jack-n-jill bathroom, and a large, versatile loft space -- perfect for a home office, media room, or additional living area. Zoned for top-rated Fernandina Beach High School, and a quick 15-minute drive to the beaches, or the shops and restaurants of Historic Downtown Fernandina. Residents enjoy resort style living with pool, pickleball courts, tennis courts, and optional Oyster Bay Yacht Club membership with marina, restaurant and fitness center.