The Mediterranean meets Miami modern in this luxury coastal hideaway backing onto a peaceful natural pond. This unusual property stands out from the crowd in Finisterre, an exclusive gated waterfront low-density neighborhood. It's a sought-after community for boaters with a community boat dock and leased private boat slips on St. Andrews Bay on the South Lagoon. This custom home is in a quiet cul-de-sac location. A sweeping paved driveway leads to a beautiful entryway with Bevolo gas lanterns and a custom-built front door where, upon entry, you will find a sleek modernist interior with 10' ceilings and dark wood floors lit by multiple tall windows, bringing a natural light setting. The gas-vented ribbon burner wall fireplace, with a 70'' TV screen above, adds a rosy glow to the sitting area, providing plenty of heat in winter months. The avant-garde kitchen has a large island that doubles as a trendy bar at cocktail hour. Color-changing under-cabinet LED lighting adds an eye-catching glow to the iridescent tile backsplash. Pendular designer lighting completes the stylish image. Stainless steel appliances and gleaming black quartz countertops add a practical element. A bonus is the chilled wine refrigerator in the customized walk-in pantry. Dine and entertain beneath another distinctive lighting fixture in the open dining room, enjoying the timeless scenes of nature through the multi-aspect windows. The first-floor master suite with 12' ceilings continues the understated vogue. It boasts an accent wall in the bedroom with abundant natural light. Entering the ensuite bath, shiny chrome fixtures on oversized gray tile walls and trendy designer lighting add an element of style while a walkthrough stand-alone double shower tucked behind the customized oval tub completes the spa-like appeal. A customized walk-in closet doubles as a dressing room with abundant built-in storage. Just off the master suite, living room, and dining area is the covered porch boasting a gas firepit, creating a tranquil outdoor lounge area for entertaining guests or viewing birds and wildlife on the pond. Head up the dark wood staircase to the large media/game room on the landing, where you are greeted with more windows and natural lighting and a great space for relaxing, playing, or entertaining. The built-in wet bar with sink, mini fridge, ice maker and snooker table enhance this fun space. Three more bedrooms, all with walk-in closets surround this space. One bedroom with an ensuite bath is currently being used as an office. The other two bedrooms have a jack-n-jill bath with dual private vanities. An oversized two-car garage with built-in bench and tool wall with a pull-down staircase and generous shelved storage completes the home. Offering security and privacy, this luxury waterfront gated community provides access by boat to beautiful Shell Island and St. Andrews State Park. Sports amenities include pickleball, tennis and basketball courts. Despite the sense of seclusion, the home is within walking distance to the Lighthouse Marina and several popular restaurants, including Captain Anderson's and The Grand Marlin. Treasure Island and Pirate's Cove Marinas are a short drive away, along with public beaches, shops, and grocery stores. A custom specifications list is available upon request as there are too many to add. A few include 2x6 exterior wood framed walls with all thread hold down system for maximum strength, sand finish white stucco, 12'' baseboards with decor screwless receptacles throughout, 8' solid core modern interior doors, Rinnai tankless gas water heater, built-in whole house audio system, Ring doorbell, impact dual-pane low-E glass windows, manual generator transfer switch setup at interior, 40 circuit panel in garage with 50 amp generator inlet at side yard. Sprinkler system, custom landscaping, zoysia sod and large palms. Mounted TVs convey with sale. Buyer to verify all data and dimensions. Seller is offering OWNER FINANCING up to 75% at 6% interest with 3 year balloon with acceptable offer.