BRAND NEW! FULLY FURNISHED! LAKEFRONT LIVING! Why settle for an older home when you can have BRAND-NEW construction, beautiful furnishings, and the Florida waterfront lifestyle you've been dreaming of? Welcome to Pine Island Cove, one of St. James City's most desirable 55+ waterfront communities! This stunning, newly constructed home comes COMPLETELY FURNISHED and ready for you to start enjoying island life from day one! Step inside and discover a light, bright, beautifully appointed interior featuring an inviting open-concept living area, a gorgeous kitchen with white cabinetry and modern appliances, attractive wood-look flooring, and tasteful coastal décor throughout. But the real magic happens outside! Step through your sliding glass doors onto your COVERED WATERFRONT DECK, where peaceful canal views, tropical surroundings, and gentle island breezes create the perfect setting for morning coffee or evening cocktails. And the lifestyle doesn't stop at your doorstep! Pine Island Cove offers an incredible collection of amenities, including a sparkling COMMUNITY POOL and SPA, PICKLEBALL and BOCCE BALL COURTS, a spacious clubhouse, a community pavilion, dog park, and lake! BOATING ENTHUSIASTS will love the community's PRIVATE BOAT RAMP providing access to Pine Island Sound and the Gulf, plus convenient additional boat and trailer storage. Spend your days fishing, boating to nearby barrier islands, relaxing by the pool, or exploring the unique shops, waterfront restaurants, and laid-back charm of Pine Island. With a low HOA of $160 a month you can't beat the value. Own your own land make your own memories at 4921 Cobiac!