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