St James City Homes under $1.25 million

St James City Homes under $1.25 million

Welcome to St. James City, a hidden gem nestled on Pine Island in Lee County, Florida. This charming community is a paradise for those who appreciate the beauty of nature, serene waterfronts, and a laid-back lifestyle. Known for its stunning sunsets, lush landscapes, and abundant wildlife, St. James City offers a unique blend of tranquility and adventure, making it the perfect place to call home.

St. James City is renowned for its outdoor recreational opportunities. With easy access to the Gulf of Mexico, residents can indulge in fishing, boating, and kayaking, or simply enjoy a leisurely stroll along the picturesque beaches. The area is also rich in natural beauty, with nearby parks and nature reserves providing ample opportunities for hiking and birdwatching.

For those considering a move to this idyllic locale, the real estate market in St. James City is as diverse as its landscape. You can find beautiful homes priced under $1.25 million, making it an attractive option for families, retirees, and anyone looking to embrace the Florida lifestyle. Whether you’re seeking a charming waterfront cottage, a spacious family home, or a cozy retreat surrounded by nature, St. James City has something to suit every taste and budget.

With its friendly community atmosphere and a wealth of activities to enjoy, St. James City is not just a place to live – it’s a lifestyle. Come discover your dream home in this enchanting corner of Florida, where every day feels like a vacation!

Newest St James City Homes under $1.25 million

2478 Baybreeze Street, St James City
$849,000
3 Beds ⋅ 2 Baths ⋅ 2026038923 MLS
Built in 2015, this waterfront pool home in St. James City offers the perfect combination of newer construction, thoughtful updates and the exceptional boating lifestyle Pine Island is known for. Even better, the home experienced no flooding during recent hurricanes, and current flood insurance is approximately $1,500 per year. Located on a canal offering a straight shot to the Intracoastal Waterway, the waterfront is ready for your boat with an 8,000-lb boat lift and composite captain’s walk dock. Head out for a morning of fishing, cruise Pine Island Sound or spend the day boating to the beaches and islands of Sanibel, Captiva, Cayo Costa and Fort Myers Beach. The home features impact windows and doors, a NEW ROOF in 2023 with upgraded 160-mph-rated shingles and additional roof vents, NEW HVAC in 2025 and a Generac/LCEC-installed generator smart connection. Inside, tile laid on the diagonal flows throughout the home, while tray ceilings add architectural detail to the great room and primary suite. Large sliders from the great room open to the screened lanai, seamlessly connecting the indoor and outdoor living spaces. The spacious kitchen is designed for gathering and entertaining with white cabinetry featuring crown molding and under-cabinet lighting, higher-end KitchenAid stainless steel appliances, a large granite island and generous pantry. A separate laundry room provides additional convenience, and an RO system supplies filtered drinking water. The primary suite offers a tray ceiling, private lanai access, two walk-in closets, separate his-and-hers vanities and a spacious walk-in shower with multiple shower heads. One guest bedroom also features direct lanai access, while the guest bath conveniently doubles as a pool bath. Outside, enjoy the screened lanai and private saltwater pool overlooking the waterfront. The pool received significant updates in 2024, including a new pool pump, saltwater system, color-changing light and upgraded plumbing and valves. The property also features fencing along with recently planted Royal Palms, fruit trees and ornamental trees that add to the Florida setting. From mornings spent fishing to afternoons island hopping and evenings relaxing poolside, this home is designed around the Southwest Florida lifestyle. With newer construction, extensive recent updates, impact protection, a saltwater pool, 8,000-lb boat lift, composite captain’s walk dock and a straight-shot canal to the Intracoastal Waterway, this St. James City home puts some of Southwest Florida’s best boating, fishing and beaches within easy reach.

2478 Baybreeze Street, St James City
7126 Ladyfish Drive, St James City
$122,000
2 Beds ⋅ 2 Baths ⋅ 2026041367 MLS
iMMACULATE 2/2 home in beautiful Pine Island Cove 55 + community. Pine Island Cove community has a heated salt water pool, spa, picnic area, boat & Rv storage, club house, dog park, private boat ramp with Gulf access. In just a few minutes you are out some of the best fishing in SW Florida. There is lot of activities like pickle ball, bocced ball and clubs for everyone. You own your land and the HOA fee is only $160.00 per month. This home has a new roof in 2019, new floor, and has a large Florida room 11x20. This home can be your forever home , winter home or a rental. It is located near to all activities on the island. Move in ready and very nice.

7126 Ladyfish Drive, St James City
5029 Gulfgate Lane, St James City
$215,000
2 Beds ⋅ 2 Baths ⋅ 2026040907 MLS
Beautifully maintained home in a 55+ community. Immaculately kept and many updates includes but not limited to new asphalt shingle roof, new AC/heat, water heater, washer/dryer, 6 panel doors through out, whole house generator wired direct to panel, propane, key start and includes 2 100 gallon tanks, new range/oven, dishwasher and refrigerator. A must see private back yard with tiki hut for grilling. Private deck with fire pit. Sliders in both bedrooms to access back yard. Gated storage for your boats, RVs and any other toys. Private boat ramp with parking for your vehicle and trailer, water for cleaning it, canal is Gulf access. Front Florida room can be used for home office or extra sleeping area for guests. Back lanai has vinyl roll down windows over screens and the room has a free standing AC unit to keep it climate user friendly. Large closets and plenty of storage.

5029 Gulfgate Lane, St James City
3055 Harpoon Lane, St James City
$365,000
2 Beds ⋅ 2 Baths ⋅ 2026041400 MLS
Welcome to your new Island Home Paradise! This home shines with an oversized corner homesite, extra parking, gulf access canal with no bridges, boat lift, walk around trex deck with boat cover and so much more! It's just a short 5-7 minute boat ride to open waters with gulf access at Captiva Island and some of the best beaches and fishing around. You'll feel like you are on vacation every day in this coastal cottage themed showplace with wainscotting, shiplap and plantation shutters. You'll love the beautiful entry, vaulted ceilings, huge living room, dining room and great kitchen with white cabinets, quartz countertops, nautical backsplash, lots of cabinets, newer appliances, pantry, lighted glass front cabinet doors, etc. Both bathrooms are gorgeous, both bedrooms are huge and have oversized walk-in closets. Another great feature of this home is the amount of space between this home and the one next door. You won't feel crowded here at all. There is room for 3 cars under the carport and room for another 3 cars in the gravel next to the carport as well as plenty of room to park a boat trailer. The flooring is an easy care wood look luxury vinyl throughout, so no carpets. The living room has a built-in lighted wall unit to show off your personal treasures. The new metal roof was installed in June of 2026. The storage is amazing with a double closet off the entry, a hall linen closet, a kitchen pantry closet, a closet off the living room and a storage shed off the laundry room. The utility bills are also very low. This home is light, bright and has everything you need to make this your Island Paradise.

3055 Harpoon Lane, St James City
2713 8th Avenue, St James City
$1,150,000
2 Beds ⋅ 3 Baths ⋅ 2026038908 MLS
Welcome to your private island retreat in the heart of St. James City, where your backyard opens to a true protected preserve alive with Southwest Florida wildlife. Watch manatees and dolphins, cast a line from your own waterfront, and enjoy birds and native wildlife in a peaceful natural setting that feels worlds away—yet offers exceptional boating access to everything Pine Island is known for. Set on an oversized lot, this distinctive home was designed for both everyday comfort and entertaining, offering two spacious primary suites, each with a private en suite, an open-concept great room with beautiful Brazilian Cherrywood floors and a striking Key Largo limestone fireplace, and walls of glass sliders that open to the expansive lanai and incredible preserve views beyond. At the heart of the home, the chef’s kitchen features custom wood cabinetry, quartz countertops, tile backsplash, GE Profile appliances and a generous center island, complemented by a separate wet bar perfect for entertaining. Step outside to your own tropical waterfront oasis featuring a sparkling pool with desirable southern exposure and a private tiki hut—the perfect place for cocktails, casual gatherings or simply relaxing while watching nature unfold along the preserve. Boaters will appreciate the boat lift and direct, deep-water Gulf access, putting Pine Island Sound and the renowned fishing, boating and beaches of Sanibel, Captiva, Cayo Costa and Fort Myers Beach within easy reach. One of the property’s standout features is the impressive 60' x 32' three-car garage with 10' ceilings, extended workshop area, air compressor with ceiling-mounted air reel and a convenient half bath that also serves the pool area. Additional features include RV parking with 50-amp service, impact windows and doors, Hardie Board siding, automated interior and exterior lighting, landscape lighting and a new roof in 2023. Even better, the assumable flood insurance is only $1,764 per year. Surrounded by protected natural beauty with incredible wildlife right outside your door, this is more than a waterfront home—it’s an opportunity to experience the boating, fishing, nature and laid-back island lifestyle that makes St. James City so special.

2713 8th Avenue, St James City
3913 Dewberry Lane, St James City
$300,000
2 Beds ⋅ 2 Baths ⋅ 2026040545 MLS
BOATER’S PARADISE! Welcome to this beautifully renovated waterfront home featuring approximately 50 feet of seawall on a wide, deep canal with NO fixed bridges, offering easy access for larger boats and even accommodating a sailboat. Enjoy convenient boating access to some of Southwest Florida’s most beautiful destinations, including Sanibel, Captiva, Cayo Costa, and North Captiva. This property has been fully renovated with a new roof, new electrical, new plumbing, new flooring, and beautifully tiled bathrooms. Both bathrooms feature showers, and the primary suite offers a spacious walk-in closet. With NO HOA, NO age restrictions, and NO rental restrictions, this property offers exceptional flexibility for both personal use and investment. Whether you’re looking for a waterfront getaway, full-time residence, or investment property, this home offers the perfect combination of boating access, modern updates, and freedom. PID 02-46-22-20-0000D-0310

3913 Dewberry Lane, St James City
3076 Bowsprit Lane, St James City
$369,900
2 Beds ⋅ 2 Baths ⋅ 2026038936 MLS
Welcome to easy island living in St. James Isles, formerly known as Cherry Estates, one of St. James City’s established waterfront communities. Built in 2024, this furnished 2-bedroom, 2-bath manufactured home offers newer construction, a move-in-ready interior and the waterfront lifestyle Pine Island is known for. Boaters will love the 10,000-lb covered boat lift, private dock with water and electric, seawall and wide canal offering quick, direct, deep-water Gulf access with no bridges. Within minutes by boat, you can be exploring the waters and famous beaches surrounding Sanibel, Captiva, Cayo Costa and Fort Myers Beach, along with some of Southwest Florida’s best fishing and boating destinations. Inside, the bright and open great room floor plan features an inviting living and dining area filled with natural light. The kitchen offers a spacious center island, stainless steel appliances and white raised-panel cabinetry with soft-close doors. Large sliding glass doors open to the spacious covered waterfront porch, extending the living space outdoors and creating the perfect place to dine, entertain or simply relax overlooking the canal. The primary suite features a walk-in closet, linen closet and private bath with dual sinks and a walk-in shower. The guest bedroom is conveniently located near the guest bath with a tub/shower combination, while the interior laundry room includes additional cabinetry for storage. Outside, low-maintenance rock landscaping makes upkeep easy, with parking for up to three vehicles and an extra-large storage shed offering plenty of space for fishing gear, boating equipment, tools and island toys. Just minutes away by car, the Pine Island Community Pool and Island Center recreation facilities offer a community pool, tennis courts and pickleball courts for even more ways to enjoy the island lifestyle. St. James City is also golf-cart friendly, making it easy to cruise to local restaurants, marinas and neighborhood gathering spots. Under house storage also available. Sold furnished and ready to enjoy, whether you're looking for a full-time residence, seasonal escape or waterfront getaway, this 2024 home makes it easy to start enjoying the Pine Island boating lifestyle from your own backyard. See attached inventory list in supplements.

3076 Bowsprit Lane, St James City
3596 Emerald Avenue, St James City
$997,000
3 Beds ⋅ 2 Baths ⋅ 2026039442 MLS
Rare triple waterfront property at the southern end of Pine Island on Emerald Ave! Situated on an oversized triple 180' x 110' lot with direct access to San Carlos Bay and the Gulf... this "turnkey" 3-bedroom, 2-bath ranch home offers an exceptional waterfront lifestyle. The updated home features a screened entry, tiled floor thru-out living room, updated kitchen, glass-enclosed Florida room with water views, split-bedroom floor plan, and primary suite with private bath. Off the kitchen, the cabana room provides convenient access to the resort-style pool area. The approximately 10' deep pool features a beach-style walk-in Baja shelf, a rock waterfall in the rock grotto, the Diving structure remains in place; diving board has been removed. Boaters will appreciate the large Captain's Dock with composite decking, two boat lifts (5,000-lb and 12,000-lb), boat ramp, and boathouse offering additional storage and workshop space. The canal provides quick access to open water, San Carlos Bay, and the Gulf. Tropical landscaping and the expansive triple lot provide plenty of outdoor space and privacy. A unique Pine Island waterfront property with extensive boating and outdoor amenities.

3596 Emerald Avenue, St James City
3628 Tropical Point Drive, St James City
$325,000
3 Beds ⋅ 2 Baths ⋅ 2026039607 MLS
Welcome to island living in St. James City on Pine Island, Florida! This remodeled 3-bedroom, 2-bath Pine Island home sits on an oversized lot with plenty of room for your boat, trailer, RV, recreational toys, workshop, or hobby space. Inside, you'll find an updated open layout and kitchen featuring thyme-colored all-wood cabinetry and butcher block countertops. Additional features include a red metal roof and manually operated hurricane shutters. The oversized property is a standout for buyers looking for extra outdoor space and room to enjoy the Southwest Florida lifestyle. Bring the boat, kayaks, fishing gear, and toys - there's room for it all. Located just minutes from Tropical Point Park in St. James City, where you can launch a kayak, fish, picnic, enjoy the small beach area, or catch a beautiful Pine Island sunset. You'll also be convenient to local restaurants, marinas, boating, fishing, and everything Pine Island has to offer. If you've been searching for a home in St. James City with an oversized lot, room for your boat or RV, and easy access to the Pine Island lifestyle, this one checks the boxes. Come enjoy island time!

3628 Tropical Point Drive, St James City
7334 Drum Drive, St James City
$159,000
2 Beds ⋅ 2 Baths ⋅ 2026038740 MLS
This 55+ Pine Island 2010 home offers a great room, open-concept kitchen floor plan with 2 bedrooms, one with a private entrance out to the canal. The floors are all new "wood-like" for easy cleaning. The lawn is maintenance-free for more time to relax or join in a community activity. Pine Island Cove community offers boating access via the community boat ramp for quick, easy access to the Gulf of Mexico, Intracoastal, Pine Island Sound, and Outer Islands all within minutes, with no locks or bridges. Enjoy boating to the beaches you can only get to by boat, watching the sunsets over the Gulf, and fishing in some of the best spots in SW Florida. A few of the community activities include: bocce ball, pickleball, large pool, spa, clubhouse with kitchen, dance floor, party and fitness rooms, plus boat/RV storage for $50/year and $100/year if you need electric, a large pavilion for social events and cookouts, and a large fishing lake. This home is located in the heart of the amenities! Make your appointment now and enjoy spending the winter with friends in the sun, rather than shoveling snow!

7334 Drum Drive, St James City
2912 Buttonwood Key Court, St James City
$1,175,000
2 Beds ⋅ 2 Baths ⋅ 2026032881 MLS
Tucked away in the private waterfront community of Buttonwood Key, this custom-built 2024 home combines privacy, thoughtful design and the ultimate Pine Island boating lifestyle. **Designed with 2 bedrooms plus 2 versatile bonus rooms, the home offers flexible spaces that can easily function as guest quarters, home offices, a den, hobby or craft rooms, or additional sleeping areas—allowing the home to live much larger than a traditional 2-bedroom floor plan.** Set in a serene location with protected preserve views across the front and beautiful water views from the rear, this home was designed to take full advantage of its surroundings. The ground level offers an impressive air-conditioned 4-car garage with workshop area, mudroom and abundant space for vehicles, boating gear and island toys. An additional outdoor storage shed tucked beneath the deck provides even more convenient space for tools, fishing gear and outdoor equipment. Step outside to your own waterfront retreat featuring a composite dock, boat lift, separate sitting dock, built-in fire pit and pergola—an inviting setting to relax by the water after a day of boating. The tropical landscaping adds to the island atmosphere with banana and mango trees along with established aloe plants. Quick access puts you within easy reach of Pine Island Sound, the Gulf, beaches and some of Southwest Florida’s renowned fishing and boating destinations. The main living level features 10’ ceilings, shiplap walls and an open great room designed around expansive water views. The kitchen features white raised-panel cabinetry, granite countertops, stainless steel appliances, a center island and a spacious pantry with built-in shelving and cabinetry. This level also includes a guest bedroom and bath, laundry room with cabinetry and utility sink, sunroom and sitting area, along with the home’s flexible bonus spaces. Front and rear balconies extend the living space outdoors and capture both the peaceful preserve setting and waterfront views. The third level is dedicated to a private primary retreat featuring its own waterfront balcony, two walk-in closets—including one currently utilized as a craft space—and a spacious bath with dual vanities, soaking tub and an impressive walk-in shower with multiple shower heads and rain shower. Smart-home features add everyday convenience with connected lighting, A/C system, appliances and garage doors, while the drinking water system includes reverse osmosis at the tap. With room to add a pool, incredible garage and storage space, flexible bonus rooms, multiple indoor and outdoor living areas, tropical fruit trees and direct access to the water, this is much more than a home—it’s a private island retreat designed for those who want space, serenity and boating right outside their door.

2912 Buttonwood Key Court, St James City
3064 Sloop Lane, St James City
$360,000
2 Beds ⋅ 2 Baths ⋅ 2026038559 MLS
Welcome to paradise at 3064 Sloop Road, a true boater’s dream tucked away in the serene island community of Saint James City, FL. This spectacular property offers the ultimate coastal lifestyle with direct Gulf access, meaning no bridges and an effortless run straight to the open waters of the Gulf of Mexico, Sanibel, and Captiva Islands. Step inside to discover a warm and inviting interior highlighted by gorgeous, durable bamboo flooring that flows throughout the main living areas, perfectly complementing the relaxed tropical aesthetic. Water enthusiasts will appreciate the private dock equipped with a heavy-duty boat lift, making it incredibly easy to launch a morning fishing trip or an evening sunset cruise. Beyond the exceptional waterfront amenities, the property boasts a standalone workshop on concrete footers—the ideal dedicated space for DIY projects, gear storage, or hobbyists. Whether you are looking for a full-time residence or a premier vacation getaway, this home delivers unmatched functionality and immediate access to the best backwater fishing and boating in Southwest Florida.

3064 Sloop Lane, St James City
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