**Seller to provide $30,000 credit to buyer** Welcome to this inviting and spacious home nestled beneath the oaks on Saint Simons Island. Featuring a thoughtful layout, the main residence offers two bedrooms and two full bathrooms on the main floor, along with a formal dining room and a cozy office or den-perfect for remote work or quiet relaxation. The open-concept living area is a true standout with its vaulted ceilings, abundant natural light, and a warm, welcoming atmosphere. Upstairs, you'll find two additional bedrooms, a full bathroom, and a loft-style den complete with a built-in bar-ideal for entertaining or enjoying quiet evenings at home. Step outside to your private backyard oasis, where a charming patio and built-in fireplace make it easy to enjoy the island lifestyle year-round. Additional highlights include a Generex whole-home generator, underground sprinkler system on an artesian well, and a whole-house and garage apartment water filtration system-ensuring comfort and convenience. A detached garage adds even more value, offering a full apartment above with a living area, kitchen, separate bedroom, and bathroom-perfect for guests or rental income potential. Located just behind St. Simons Christian School, this home offers both privacy and accessibility. Whether you're looking for a full-time residence, vacation home, or investment opportunity, 409 Pine St. delivers flexible living in a prime island location.