NEW 1-Year Home Warranty Included! Cumberland Harbour home for sale in St. Marys, GA. Guest cottage, dual ensuites, open kitchen, and resort-style amenities. New HVAC and 1-year home warranty included. Near Amelia Island and Jacksonville. Welcome to 620 Charleston Way, a beautifully designed Lowcountry-style home located in the gated Cumberland Harbour community in St. Marys, Georgia. This 4-bedroom, 3.5-bath property offers a flexible layout, modern upgrades, and unique features that set it apart from other homes on the market. Inside, you'll find an open, light-filled layout with custom trim work, wood flooring, and a warm coastal feel. The open-concept kitchen features leathered quartz countertops, stainless steel appliances, soft-close cabinetry, and a large island that flows seamlessly into the dining and living areas. The main-level primary suite includes a private bath with dual vanities, a soaking tub, and a tiled walk-in shower. A second ensuite bedroom upstairs provides an additional private retreat, while two more bedrooms share a full bath. The fully furnished guest cottage offers its own bedroom, bath, kitchenette, washer/dryer, and living space. The accessory dwelling unit will convey furnished with a few exceptions. This space provides flexible options for hosting visitors, creating a private home office, adding rental potential, or supporting multigenerational living. The detached garage is insulated and air-conditioned, and the loft above is partially finished. It provides additional climate-controlled space that can be used for storage, a studio, or future expansion. Additional highlights include new HVAC systems, a tankless water heater, a whole-house water softener, updated landscaping, and an irrigation system. Cumberland Harbour offers resort-style amenities, including pools, basketball, tennis and pickleball courts, a fitness center, nature trails, and parks. Located just minutes from historic downtown St. Marys and a short drive to Amelia Island and Jacksonville, this move-in-ready home combines modern comfort with classic coastal style. A 1-year home warranty is now included for added peace of mind.