Located in the sought-after Amelia Concourse community, this inviting Fernandina Beach home offers peaceful water views, bright living spaces, and a flexible floor plan designed for today's lifestyle. Step inside to a light-filled interior where sunlight pours through the kitchen and main living spaces with an open layout that flows naturally toward the backyard. One of the home's standout features is the versatile bonus room connected to a full bathroom, creating the perfect setup for a private guest suite, in-law space, or multigenerational living. Living in Amelia Concourse means enjoying a true neighborhood lifestyle, complete with community pools, parks, playgrounds, and scenic walking paths just moments away. Offering water views, flexible living space, and fantastic neighborhood amenities, this home is a wonderful opportunity to enjoy the relaxed lifestyle that makes Fernandina Beach so special. Owner has an assumable VA loan at a competitive 4.25% fixed interest rate!