Now $650,000 with a 1% buyer incentive and home warranty, this Lowcountry-style home with guest cottage in gated Cumberland Harbour is ready for new owners! Located in the coastal town of St. Marys, Georgia near Amelia Island and Jacksonville, this 4-bedroom, 3.5-bath home plus accessory dwelling unit with 1-bedroom and 1-bath features a flexible layout, high-end finishes, and access to resort-style amenities. Inside, you'll find a light-filled open floor plan with custom trim work, wood flooring, and a warm coastal feel. Kitchen includes leathered quartz countertops, stainless steel appliances, soft-close cabinetry, and a large island that connects seamlessly to the dining and living areas. The main-level primary suite offers dual vanities, a soaking tub, and a tiled walk-in shower. A second en suite upstairs adds versatility, while two additional bedrooms share a full bath. The fully furnished guest cottage has its own private bedroom, bathroom, kitchenette, washer/dryer, and living space. This accessory dwelling unit allows for hosting guests, rental potential, home office needs, or multigenerational living. The detached garage is insulated and air-conditioned, with a partially finished loft above providing additional climate-controlled space for storage, a studio, or future expansion. Recent upgrades include new HVAC systems, a tankless water heater, whole-house water softener, enhanced landscaping, and new irrigation. Cumberland Harbour is a gated, waterfront community on the St. Marys River with day dock access, fishing, nature trails, parks, pools, tennis, pickleball, basketball, and a fitness center. 620 Charleston Way is move-in ready and priced to sell! 1% buyer incentive can be used towards closing costs, prepaids, or rate buy down! Contact the listing agent today to schedule your showing today!