For sale Home

Listed Aug 6, 2026

$725,000 Est. $4,795/mo

96004 Montego Bay

  • 4

    Beds

  • 3

    Baths

  • 2,250

    Sq ft

The story

  • Waterfront

Stunner alert! Discover exceptional value centrally located on Amelia Island and minutes from island beaches, where generous living spaces, thoughtful updates, and an enviable location come together in one remarkable offering. Privately situated on a quiet cul-de-sac overlooking a tranquil pond, this beautifully renovated residence presents an opportunity to enjoy the island lifestyle without compromising space or quality. Extensively refreshed, the home showcases new Pergo and porcelain tile flooring, fresh interior and exterior paint, updated lighting and ceiling fans, new bathroom fixtures, new stainless appliances, and enhanced landscaping, and a roof newly installed in 2022. Timeless finishes, including granite countertops and a gas fireplace anchoring the family room, create warm and inviting spaces designed for both everyday living and effortless entertaining. Offering four bedrooms and three full bathrooms, the flexible floor plan easily adapts to today's lifestyle. A main-level bedroom with pond views as well as a formal living room with French doors provide ideal spaces for a private home office, library, fitness room, or guest suite. Upstairs are the master bedroom with pond views and ensuite bathroom with whirlpool tub, plus two more bedrooms that share a bathroom. Outdoors, the screened lanai overlooks an expansive backyard and peaceful pond, creating the perfect setting for morning coffee, evening gatherings, or simply enjoying the natural beauty that surrounds you. Combining generous square footage, modern updates, and proximity to Amelia Island's renowned beaches, dining, shopping, and recreation, this residence offers an exceptional opportunity to experience coastal living at an outstanding value.

Facts & features

Home type

Home

Year built

2004

Floors

2

Price per sq ft

$322

HOA

$523 / annually

Parking

2-car garage

Included features

  • Fireplace

    1 fireplace

  • Cooling

    Central Air

  • Heating

    Central

  • Appliances

    Convection Oven, Dishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

  • Flooring

    Luxury Vinyl

  • Roof

    Shingle

  • Lot Information

    Sprinklers In Front, Sprinklers In Rear, Wooded

  • Water Source

    Public

  • Sewer

    Public Sewer

  • View

    Water

Mortgage calculator

Estimated monthly payment

$4,795 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $3,859
  • Property tax $725
  • Insurance $211

Includes principal, interest, taxes & insurance.

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Listing Broker

KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Broker Name

KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Agent

MELISSA RICKS