Just a short walk to the sugar-white sands of St. Joe Beach, this one-of-a-kind coastal property offers charm, privacy, and proven income potential on approximately ½ acre spanning two lots and backing to peaceful woods. Built in 2017 but thoughtfully designed to reflect a 1930s Florida cottage, the 2-bedroom, 1-bath main home features vaulted ceilings, an open-concept kitchen with pantry, loft with staircase access (potential additional living space), ductless mini-split HVAC, spray foam insulation, tankless water heater, and whole-house water filtration system. Authentic details include high wood baseboards, cast iron sink, push-button light switches, brass cover plates, solid wood doors, antique lighting, and exposed ribbed metal ceilings with acid-washed finish. Covered parking, golf cart parking, fenced yard, outdoor shower, and a covered walkway connecting to the garage add convenience. The detached oversized double garage includes a fully furnished 2-bedroom, 1-bath apartment with private entrance, currently operating as a successful Airbnb. A separate full-service RV site with 30/50 amp service, water, sewer, and private driveway operates as a Hipcamp rental. Combined rental income averages approximately $30,000 annually. Large entertainment deck, paver areas, storage building, pergola-style canopy, and wooded backdrop complete the setting. With two lots included, there is potential to add a pool, build a workshop, construct another home, or sell off the back lot (buyer to verify). A rare opportunity for a primary residence, vacation retreat, or income-producing investment near the beach.