Tucked along the waterfront, this nearly completed island cottage offers a rare opportunity to step directly into St. John living with minimal work remaining. Designed as a 20x20 masonry pod, the structure is already in place with a thoughtful two-level layout: an upper level planned for a kitchenette, bedroom, and bath, and a lower level with a pump room (utility) and an additional room for flexible use. Custom mahogany shutters and tile are already on site, allowing the next owner to bring the vision to completion with doors, windows, and septic. The solid masonry construction and stonework throughout the property provide a strong, enduring foundation. A stone path leads to a private pocket beach and vibrant reef just offshore, ideal for snorkeling and quiet enjoyment. Adjacent HOA common beach access offers additional waterfront convenience.