ISLAND LIFE IS CALLING! This updated 4-bed/3-bath home in the sought-after Ocean Cay community is tucked deep into a quiet cul-de-sac surrounded by wooded HOA property on two sides and within walking distance to the beach, restaurants, Fort Clinch, the Atlantic Rec Center, and Egans Creek Greenway with kayak launch access. Inside, an open and light-filled floor plan features solid-surface flooring throughout and a welcoming living area with a wood-burning fireplace. Updates include a 2025 Roof, WOLF dual-fuel oven, BOSCH dishwasher, two 2018 HVAC systems, whole-house water filtration and water softener, smart garage door opener, epoxy flooring, and dedicated Level 2 EV charging port. Most windows replaced in 2023, enhancing efficiency and comfort. Three first-floor bedrooms provide comfortable living, and the fourth bedroom/bonus room and full bath on the second floor are ideal for guests, a private office, or a retreat. Enjoy indoor/outdoor living with a tiled lanai, paver patio, and convenient outdoor shower. Ocean Cay's park-like gathering area in the cul-de-sac adds to the community's appeal. Located on the stunning barrier island of Amelia Island-- known for 13 miles of Atlantic coastline, renowned golf, vibrant arts and culture, exceptional dining, and the charm of historic Fernandina Beach. SCHEDULE your showing TODAY!