An urban oasis in the heart of historic downtown Fernandina Beach, this exceptional Harbor View residence offers boutique living just one block from shopping, dining, live music, the marina, and the vibrant energy that defines downtown. Built in 2019 and impeccably maintained, this custom 3-bedroom, 2.5-bath home features 2,084 square feet of thoughtfully curated living space, highlighted by a spectacular 60-foot by 22-foot private rooftop terrace with sweeping sunset views and ample room to create a summer kitchen, lounge area, or elevated entertaining retreat, an entertainer's dream and a rare opportunity in this prime Downtown location. Inside, designer finishes elevate every detail, including gorgeous tile flooring, custom cabinetry, quartz countertops, stainless steel appliances, curated lighting, tall baseboards, crown molding, and neutral paint tones that create a refined yet inviting atmosphere. The main living level offers 10-foot ceilings and open-concept living designed for both entertaining and everyday functionality, while the kitchen is both striking and practical with quartz countertops, a gas cooktop, stainless appliances, and a large pantry for real-life convenience. A rare two-car garage adds exceptional value seldom found in downtown properties. Step outside and walk to restaurants, boutique shops, farmers markets, festivals, parks, and the marina, or bike to 13 miles of pristine Amelia Island beaches just minutes away. Presented in exceptional condition throughout, this Harbor View home is distinctive, elevated, and unlike anything else currently available, iconic rooftop appeal, boutique downtown living, and elevated island lifestyle all in one.