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