Welcome to 94072 Willow Oak Lane, located in the serene and established Spanish Oaks neighborhood of Fernandina Beach. This stylish 3-bedroom, 2-bath residence blends modern updates with classic coastal charm. Recent improvements include a new energy-efficient HVAC system (2023), upgraded attic insulation, and a brand-new septic system (2025), providing comfort and peace of mind for years to come. The home features a bright, open layout ideal for everyday living and entertaining. Enjoy proximity to Amelia Island beaches, historic downtown Fernandina Beach, shopping, dining, and top-rated schools, all just minutes away. This move-in-ready home combines convenience, style, and long-term value in one of Nassau County's most desirable communities.