St James City Homes under $250,000

St James City Homes under $250,000

Welcome to St. James City, Florida—a hidden gem nestled on Pine Island in Lee County that offers a unique blend of serene coastal living and vibrant community spirit. This charming town is known for its picturesque waterfront views, lush landscapes, and a laid-back atmosphere that attracts those seeking a peaceful retreat from the hustle and bustle of city life.

St. James City is a haven for outdoor enthusiasts, boasting an array of recreational activities. Whether you enjoy fishing, boating, or simply soaking up the sun on the pristine beaches, this area has it all. With its close-knit community and friendly atmosphere, residents often come together for local events, farmers’ markets, and seasonal festivals that celebrate the island’s rich culture and heritage.

For those looking to invest in their dream home without breaking the bank, St. James City offers an impressive selection of homes under $250,000. These affordable properties provide an excellent opportunity for first-time homebuyers, retirees, or anyone looking to embrace the island lifestyle. From cozy single-family homes to charming cottages, there’s something for everyone in this welcoming community.

Imagine waking up to the gentle sound of waves lapping against the shore and enjoying your morning coffee with a view of the sunrise over the water. With homes in St. James City priced under $250,000, your dream of coastal living is within reach. Don’t miss the chance to explore this enchanting town and discover the perfect home that fits your lifestyle and budget. Come and experience the magic of St. James City—where your island paradise awaits!

Newest St James City Homes under $250,000

7205 Drum Drive, St James City
$156,000
2 Beds ⋅ 2 Baths ⋅ 2026042833 MLS
This newly renovated 2/2 home is located in Pine Island Cove 55+ community where you own your land, and the HOA is only $160.00 per month. This home has new roof 2023, mini-split a/c, cabinets, countertop and appliances, and floors. This community has a large, heated salt-water pool, spa, community boat ramp with Gulf Access, boat & RV storage, picnic area, dog run, fish cleaning station. Lot of activities for everyone with Pickleball, bocce and clubs. You are only a few minutes out to Pine Island sound & the gulf for the best fishing in SW Florida. You have access to Cayo Costa beach, Sanibel, Captiva and beautiful sun set.

7205 Drum Drive, 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 vinal floor, and has a large Florida room 11x20 with new free standing air conditioner. 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
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
4821 Curlew Drive, St James City
$130,500
2 Beds ⋅ 1 Baths ⋅ 2026034996 MLS
NO HURRICANE DAMAGE NEVER FLOODED 20 FEET of Deeded Gulf Frontage. Welcome home to your own slice of paradise in the heart of St. James City an authentic island escape where the water is your backyard and the lifestyle is all about simplicity, sunshine, and great fishing. This waterfront-access property has so much potential and plenty of yard space for all your entertaining and plenty of room for a pool! Inside you'll find new flooring throughout, fresh paint, a bright and inviting kitchen which also offers a bonus coffee bar space and a brand new roof! With direct access to open waters, you can be out to some of the area’s best fishing spots in minutes. This adorable home itself offers an inviting island feel and is ready for its next chapter. The oversized lot size provides the perfect space for trailers and fishing toys. Located in the relaxed, golf cart-friendly community of St. James City on Pine Island, this is the kind of place where neighbors wave, sunsets steal the show, and life revolves around the tides. There is a voluntary HOA that allows access to the community boat ramp and heated pool. The clubhouse is a great community location with bingo, dances, and games. If you’ve been searching for a true Florida fishing getaway with room to make it your own, this is it. Bring your vision, your boat, and your love for the water this 2 bedroom,1 bathroom manufactured home on oversized lot, sustained no hurricane damage, ready for you to move right in! Voluntary HOA. Membership allows use of a brand new SALTWATER POOL, concrete boat ramp with GULF ACCESS, clubhouse with numerous activities including bingo and exercise classes. $150 per year.

4821 Curlew Drive, St James City
10419 Trotwood Avenue, St James City
$149,000
2 Beds ⋅ 2 Baths ⋅ 2026028789 MLS
Great location at Pine Island Center... Cute 2-bedrooms 2-baths, Vaulted ceilings, Nice Kitchen/Dining area Wood cabinets for plenty of space, Living area, Tile floors, Master bath is beautiful with Tiled walls in bathroom Shower & Bath tub, Wood cabinets .. Yard is 43x 80, raised Septic area, palm trees... very easy maintenance . Location is at the center of the Island, Library-school- pickleball & tennis, museum and little league field, also a 20 acre walkaround park... Great location- Check this property today !!

10419 Trotwood Avenue, St James City
4976 Curlew Drive, St James City
$168,000
2 Beds ⋅ 2 Baths ⋅ 2026026516 MLS
Welcome to a great waterfront opportunity in St James city, you can own a new home with new A/C and brand new septic field in a community that offers quick access to the open water, community pool and club house, this property also offers a nice deck out back to relax on and enjoy the mornings and evenings.

4976 Curlew Drive, St James City
7151 Drum Drive, St James City
$89,900
2 Beds ⋅ 2 Baths ⋅ 2026014415 MLS
HUGE PRICE REDUCTION-MOTIVATED SELLER-BRING OFFERS-BUY NOW OR LOSE! AWESOME partially remodeled 2BR/2BA home in 55+ Community on Pine Island!! Home features new flooring, kitchen cabinets and has a large workshop/storage area. Community has amenities galore including Boat Ramp, Swimming Pool and Boat/R/V storage area.

7151 Drum Drive, St James City
4978 Mullette Lane, St James City
$139,900
2 Beds ⋅ 2 Baths ⋅ 2026014591 MLS
Welcome to this charming and newly refreshed home located in the highly desirable 55 + community of Pine Island Cove. This property has been thoughtfully updated with new kitchen cabinets, countertops, flooring, a new shower, and an efficient mini-split A/ C system, giving the home a clean modern feel from the moment you step inside. The layout offers comfortable living spaces with plenty of natural light, making it an ideal full-time residence or seasonal retreat. The updates throughout provide peace of mind and move in readiness. Outside, enjoy all that Pine Island cove is known for-Gulf-access boating and a friendly, active lifestyle. Residents have access to a community boat ramp with Gulf Access, fish cleaning station and boat washout area, making it easy to spend your days on the water. There is also RV and boat storage, a dog park, picnic area, and a full calendar of activities including pickleball, bocce ball and social clubs for every interest. Just minutes from the bay and Gulf, this location is perfect for enjoying some of SW Florida's best fishing, exploring the outer islands or relaxing at the beaches. It is close to all the dining, shopping and island events Pine Island has to offer. You own your land and the HOA is only $160.00 per month.

4978 Mullette Lane, St James City
4939 Mullette Lane, St James City
$156,500
2 Beds ⋅ 2 Baths ⋅ 2025024128 MLS
If you are looking for a fully furnished home, you have found it. This 2-bedroom 2 bath home is located in Pine Island Cove the best 55+ community on Pine Island. The community has a heated saltwater pool, spa, private boat ramp that has Gulf access, boat & RV storage, picnic area with covered tables and grills, club house, dog run, fish cleaning station, washout facilities. There are a lot of activities for everyone pickleball, bocce and many clubs. It is just a few minutes out to the bay and Gulf to some of the best fishing in SW Florida. Community is located near to shops, banks and restaurants.

4939 Mullette Lane, St James City
4920 Pinfish Lane, St James City
$145,000
2 Beds ⋅ 2 Baths ⋅ 225048514 MLS
Turnkey! Fully furnished! Welcome to Pine Island Cove, a vibrant 55+ waterfront boating community in St. James City. Plenty of social activates and events; bingo, yoga, water aerobics, holiday dinner...etc. Enjoy a saltwater pool & Spa, bocce and pickleball courts, a clubhouse, fitness center, picnic park, dog park, boat ramp, and boat/RV storage, along with a variety of programs to keep you active. This SPACIOUS 1144sqft newly renovated 2-bedroom, 2-bathroom, fully furnished home features a 2022 roof, new ductless split AC, new flooring, large walk-in closets, a relaxing Florida room and more. Situated on a corner lot, it boasts the best location in the community, with amenities just across the street. The HOA fee is $160 per month. The boat/RV storage is about $50 per year if utilized. Launch your boat at the community ramp, just 5 minutes from open water, and explore Pine Island Sound, renowned for diverse fishing opportunities, including snook, trout, redfish, and tarpon. Easily navigate to stunning barrier islands like Sanibel, Captiva, and Cayo Costa - accessible only by boat. In Pine Island Cove, you own both the house and the land. Don’t miss your chance to live in paradise!

4920 Pinfish Lane, St James City
4944 Porky Lane, St James City
$199,900
2 Beds ⋅ 2 Baths ⋅ 225056362 MLS
We are proud to bring you your slice of tropical paradise in Pine Island Cove, one of St. James City’s most desirable 55+ communities! This brand-new 2 bedroom, 2 bathroom manufactured home has just been installed and is elevated to meet current flood zone elevation requirements, providing peace of mind and potential insurance savings. With an open-concept floor plan, a split-bedroom layout, and a dedicated laundry room, this home is both functional and filled with natural light. Outside, enjoy the convenience of a new covered carport and matching storage shed—ideal for your tools, beach gear, or golf cart. Best of all, the home is located just three homes away from the community center and an easy walk to the heated community pool and other amenities. The interior and exterior comes as a blank slate—fresh, neutral, and ready for your personal touches to make it truly your own. Add your preferred finishes, furnishings, landscaping, and décor to create your perfect Florida retreat. Pine Island Cove offers direct Gulf access via a private community boat ramp, along with RV/boat storage, an active clubhouse, and a full calendar of social events. The HOA is low and the island lifestyle is unmatched. Pine Island is known for its laid-back atmosphere, tropical surroundings, excellent fishing, art galleries, and waterfront dining—a true escape from the mainland grind. Don’t miss this opportunity to own a brand-new, elevated home in a welcoming waterfront community. Schedule your private showing today and make this island gem your own!

4944 Porky Lane, St James City
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