Model Karolina Kurkova shows off her private-island Miami home

Balmain dress, $1,700 at Saks Fifth Avenue; 18-k gold and platinum earrings with diamonds, $23,000 at David Webb, 942 Madison Ave. Eduardo Rezende

It’s a sun-kissed afternoon on Miami’s Fisher Island, and Karolina Kurkova is posing for our cover in a just-off-the-runway ensemble, her mesmerizing smile filling each frame. But the gorgeous island is more than a backdrop for the Czech-born supermodel — it’s home.

“After 12 years in New York, we were looking for somewhere that was family-friendly and outdoorsy,” says Kurkova, 33, of Fisher — a place where dolphin and manatee sightings are everyday occurrences. She and her entrepreneur husband, Archie Drury, 46, moved to the exclusive enclave five years ago to raise their boys, 2-year-old Noah and 8-year-old Tobin.

“I didn’t really know about Fisher,” she continues. “But we came for a visit almost by chance and quickly recognized its potential.”

The 200-acre private island, which once served as the winter hideaway for the Vanderbilt family, is set just south of South Beach. Unlike other posh Miami isles, it’s truly private — its residences, hotel, club, golf and tennis courts can be reached only via a short ferry ride from the MacArthur Causeway.

“You’re just 10 minutes from the city, yet surrounded by water and nature,” marvels Kurkova, who’s appeared on more than 25 Vogue covers and walked her first Victoria’s Secret show by the age of 16.

Two decades ago, celebrities like Julia Roberts and Oprah Winfrey owned retreats here. Today, its small-town sensibility draws rising stars like Kurkova, along with global plutocrats who are obsessive about discretion and security.

For Drury — an Iraq War veteran who co-produced the 2004 documentary “Voices of Iraq” — Fisher has become both a business and passion. He’s developed a series of real-estate projects and world-class amenities on the island under the umbrella brand Fisher Island Life.

I’ve been working since I was 16, but being a mother is the most rewarding job of all.

Chief among them is the Fisher Island Medical Clinic, set to open this winter in partnership with noted University of Miami neurosurgeon Dr. Barth Green — further solidifying Fisher’s status as a year-round wellness destination, not just a winter hideaway.

Kurkova’s life on the island, meanwhile, is a low-key antidote to the glamour and grind of her whirlwind modeling career. “Fisher allows me to recharge, while providing a level…

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