Welcome to 114 Riverfront Circle-an exceptional, fully furnished coastal retreat in the gated CumberlandPalms community, perfectly positioned along the St. Marys River. Offering approximately 2,600 sq ft, this spacious 4-storytownhome features 3 bedrooms, 3.5 baths, an elevator, fireplace, and an oversized 2-car garage-making it a rareopportunity for a primary residence, second home, vacation getaway, or an income-producing investment. This amazingproperty offers a wide variety of opportunities, including long-term, mid-term, and short-term rental potential. The mainliving level features an open-concept kitchen, dining, and living space with stainless appliances, granite countertops, andwood floors, plus a laundry room and half bath. Upstairs, the private primary suite is thoughtfully positioned along withtwo additional guest bedrooms and two full baths-ideal for hosting and maximizing rental flexibility. The top floor providesa charming bonus retreat with river views, perfect for an office, reading room, or observation lounge. Enjoy multipleporches and outdoor spaces, including a screened lanai, for relaxing after a day on the water. Cumberland Palms offersresort-style amenities including a boardwalk, pickleball courts, community dock access, pool and hot tub-plus proximity tohistoric downtown St. Marys, Kings Bay Naval Base, and the Intracoastal Waterway. The best feature may be the dockaccess-perfect for a quick boat trip to Cumberland Island or Amelia Island. Call today to preview this unique property.