106 RESERVE LN Welcome to The Reserve at St. Charles Bay, an exclusive gated coastal retreat where luxury meets laid-back waterfront living. This upscale community offers resort-style amenities including a sparkling pool with cabanas, a serene 2-acre Hammock Park, a mile-long lighted boardwalk, fishing pier, private boat slips, and a kayak club-perfect for embracing the coastal lifestyle. Wide lagoon-style canals and sweeping bay views create a picturesque backdrop teeming with coastal wildlife. This beautifully appointed 3-bedroom, 2.5-bath home with a versatile loft/flex space is ideally positioned to overlook the scenic boardwalk and tranquil bayside waters. Thoughtfully designed with upscale finishes throughout, the home blends comfort and elegance. The loft features built-in bunk beds, making it a perfect retreat for guests or kids. Wake up to stunning water views from the primary suite, complete with a spa-like bath and a private outdoor shower-ideal for unwinding under the coastal night sky. The gourmet kitchen boasts a generous island and flows seamlessly into the open living and dining areas, creating an inviting space for entertaining. Additional highlights include a detached garage and charming outdoor spaces designed to capture the beauty and breeze of bayside living. Experience the best of coastal luxury at The Reserve at St. Charles Bay-where every day feels like a getaway.