Seller reports approximately $90,000 in post-construction upgrades, allowing buyers to avoid today's higher construction costs and move in with luxury features in place. The Ortega floor plan by Riverside Homes offers refined craftsmanship and a level of finish that stands out within Amelia Walk. This 4-bedroom, 3-bath, 3-car garage home features a desirable three-way split floor plan, soaring tray ceilings, and thoughtfully selected finishes throughout. The chef's kitchen anchors the living space with Viatera Forte quartz countertops, ceiling-height shaker cabinetry, Frigidaire Gallery appliances, a Sharp microwave drawer, an oversized island, and a spacious pantry with abundant storage. The owner's suite offers a private retreat, featuring a sitting area, spa-style bath, freestanding soaking tub, and a seamless glass shower with floor-to-ceiling tile. Outdoor living is designed for both enjoyment and functionality, featuring a heated saltwater luxury spa, expanded screened enclosure, marble decking, privacy landscaping, and a fully fenced yard. The wide lot offers usable outdoor space beyond the screened living area. Additional highlights include upgraded lighting, crown molding, surround-sound, and security system with cameras, electric shades on sliders, a large laundry room with cabinetry, and a generator connection. Located on a quiet cul-de-sac adjacent to green space, residents enjoy resort-style amenities and convenient access to Amelia Island beaches, historic downtown Fernandina Beach, golf, dining, and Jacksonville International Airport. VA ASSUMABLE LOAN available to eligible VA buyer offering potential interest-rate and payment savings.A landscaping concession is being offered, allowing the buyer to curate their own backyard oasis with an acceptable offer.