Stylish New Construction Just Minutes from Downtown Fernandina Beach. 523 S. 13th Terrace is where modern design meets coastal charm. Built in 2023, this beautifully crafted 3-bedroom, 2.5-bath home offers the perfect blend of comfort, efficiency, & location, just a quick golf cart ride to downtown Fernandina Beach, Central Park, & the island's pristine beaches. Inside, the thoughtful open floor plan highlights soaring vaulted ceilings, tall windows, & designer finishes throughout. The chef-inspired kitchen features quartz countertops, stainless-steel appliances, & a spacious island that opens seamlessly into the living & dining areas, ideal for entertaining or casual family living. Upstairs, each bedroom includes walk-in closets & plenty of natural light, while the primary suite feels like a private retreat. Enjoy low-maintenance living & peace of mind with all major systems new in 2023, including the HVAC, roof, & hot water heater. Step outside to a raised patio & fenced backyard, perfect for morning coffee or evening gatherings under the stars. The one-car garage offers convenience & storage, while the manageable lot size keeps upkeep effortless. Located within the City of Fernandina Beach, you're minutes from local favorites like Centre Street's boutiques & restaurants, Amelia Riverfront, & the community's best parks & trails. Whether you're a first-time buyer, second-home owner, or family ready to embrace the island lifestyle, this home delivers the perfect combination of value & location. Move-in ready & offered at $564,900, this is your opportunity to live close to everything you love about Fernandina Beach. Schedule your private showing today and start living the "Love Where You Live" lifestyle on Amelia Island.