Experience the rare blend of MODERN LUXURY and DOWNTOWN CHARM in this FULLY FURNISHED, brand-new custom home, just steps from the vibrant heart of Historic Fernandina Beach. Perfectly positioned on an OVERSIZED 100' x 125' DOUBLE LOT, this thoughtfully designed residence offers over 3,200 square feet of refined living space with 4 bedrooms, a dedicated office/flex space, and 3 full baths. LVP flooring flows throughout the open-concept layout, creating a seamless and inviting atmosphere. The designer kitchen is a true showpiece, featuring stunning quartzite countertops, Italian french door range and oversized refrigerator, custom wood shelving in the expansive walk-in pantry, and abundant prep space. The primary suite is a private retreat, complete with its own balcony porch perfect for relaxation. The SPA-INSPIRED PRIMARY BATHROOM showcases a sophisticated WET ROOM with a spacious walk-in shower and deep soaking tub, along with a generously sized walk-in closet designed for both beauty and function. ZONED for MIXED-USE, this property offers exceptional flexibility for residential living, investment potential, or a live-work opportunity. The double lot provides ample space for boat or RV storage, additional parking, and plenty of room to design your dream pool, pool house, or ADU. The rear outdoor living area is already pre-wired and plumbed for an outdoor kitchen, making future expansion effortless. Additional notable features include a whole-home dehumidifier, solid-core doors throughout, and a charming wine cellar tucked beneath the staircase. A rare opportunity to own a custom-built luxury home in the heart of downtown Fernandina Beach -- where lifestyle, location, and versatility come together beautifully.