HEAR the ocean waves and SMELL the salt air from this sought after neighborhood just STEPS FROM BEACH FUN! Ocean Cay is a charming small coastal community of 65 residences. There are no CDD fees and a very low annual HOA fee of $364. This home was built and lovingly cared for by one family. A new roof installed 2017. HVAC 2013. Water Heater 2023. Exterior painted within the last 8 years. Natural lighting added by 3 Sun Tunnel Skylights. Master shower area re-tiled. The huge bonus room upstairs has a closet and is currently used as an office. The Master and 3 bedrooms are on the main floor. Dining area is encompassed within the Great Room. The kitchen enjoys an Island and a COZY breakfast nook where you can enjoy your morning coffee watching the early morning neighborhood activities. Common sightings of deer can be enjoyed in the early morning or early evening from the screened rear porch. Bird watchers will be thrilled with the natural preserve..... Pileated Woodpeckers, Red Tail Hawks, Eagles...just to name a few! Join in on the fun with many activities going on right around the corner at the Recreational Center's Olympic size pool or walk to main beach with restaurants and community activities always planned including putt putt. Historic downtown Fernandina Beach is an easy walk or bike ride or golfcart away. These homes in Ocean Cay are rarely on the market....make your appointment today!