St James City Homes under $700,000

St James City Homes under $700,000

**Discover St. James City: Your Gateway to Paradise**

Nestled on the enchanting Pine Island in Lee County, Florida, St. James City is a hidden gem that beautifully blends natural beauty with a tight-knit community atmosphere. Known for its stunning waterfront views and abundant wildlife, this charming locale offers a relaxed lifestyle that is perfect for those seeking tranquility away from the hustle and bustle of city life.

St. James City is a haven for outdoor enthusiasts, boasting an array of recreational activities. From fishing in the pristine waters of the Gulf of Mexico to kayaking through the serene mangroves, adventure awaits at every turn. The area is also home to several parks and nature preserves, making it easy to immerse yourself in Florida’s natural splendor. Additionally, the local dining scene is a delightful mix of fresh seafood restaurants and cozy cafes, ensuring you can savor the flavors of the coast.

For those looking to call St. James City home, there are fantastic opportunities to find beautiful residences priced under $700,000. Whether you’re in search of a charming single-family home with a backyard oasis or a cozy condo with breathtaking water views, you’ll discover a variety of options that cater to your lifestyle. These homes not only provide comfort and style but also offer the chance to be part of a vibrant community where neighbors become friends.

With its picturesque landscapes, rich recreational opportunities, and affordable housing options, St. James City is truly a slice of paradise waiting for you to explore. Come and find your dream home in this idyllic coastal community!

Newest St James City Homes under $700,000

2355 Banana Street, St James City
$525,000
2 Beds ⋅ 2 Baths ⋅ 2026043523 MLS
Great Gulf access. Less than 5 minutes out to San Carlos Bay and then on to the fishing, beaches, and restaurants the area is famous for. This 2 bedroom 2 bath home has a large family/Florida room on the canal to sit and enjoy the local wildlife. The kitchen has been updated with white cabinets. There is a boat lift with the frame for a cover, but no cover. And a composite dock. Spacious with lots of storage space. This home is on a quiet, dead end street. Perfect for your winter or year round home

2355 Banana Street, St James City
2277 Sapodilla Lane, St James City
$589,000
3 Beds ⋅ 2 Baths ⋅ 2026043229 MLS
Welcome to Paradise, Where the Gulf Meets Your Backyard! Situated on the highly desirable south end of Pine Island, access to the Gulf of Mexico or the white sand beaches of Sanibel is just a short 10 min boat ride away! St James City has lots to offer within a quick golf cart ride, including several local restaurants, live entertainment, marina with fuel, general store and even a hardware store, you literally never have to leave! This beautifully renovated island home is located at the end of the cul-de-sac on a deep-water access canal and is a nature lovers dream surrounded by world class fishing, pristine white sand beaches and incredible native wildlife. This very spacious 3-bedroom 2 bath home features a well thought out floorplan and has been tastefully renovated. This home has room for all, featuring a split floor plan. The completely updated kitchen features stainless appliances, new cabinets, granite countertops and a beautiful herringbone backsplash. The oversize Florida room at the rear of the home creates a second living room with tons of natural light and great views of the canal. Some of the other outstanding attributes of this home include large master suite with oversize renovated bathroom, fresh interior paint job, spacious bedrooms, metal roof, boat house, renovated guest bath and eco-friendly low maintenance yard. The outdoor spaces of this home are equally as beautiful! Watch the dolphins play, the manatees that frequent the canals or take in one of SWFL's famous sunsets from the awesome patio. Do not miss this opportunity, these prices in this location will not last long! There are no rental restrictions in this area, home would make a great vacation rental as well! Come see this spacious island home today and Start Living the Island Life!

2277 Sapodilla Lane, 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
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
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
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
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. Relax by the pool while enjoying the scenic wide canal. 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
2471 AVOCADO Street, St James City
$529,000
3 Beds ⋅ 2 Baths ⋅ 2026037929 MLS
Experience owning a slice of paradise in this fully and tastefully remodeled home. Each room has been extensively updated to enjoy comfortable island living within its light filled spaces. The new kitchen and baths with walk-in showers are amazing. A metal roof was installed three years ago, and recently a water heater. This area of the island is golf cart friendly so you may ride it to local restaurants, bars, shopping or simply cruise around the entire neighborhood. Whether used as a full-time residence, seasonal, or an investment property, this home would easily fulfill your desires. Pine Island is a nature lover's paradise in addition to offering access to world class fishing. It has several county parks and a bike path almost the entire length of the island. Are you a baseball fan? Southwest Florida has many MLB spring training locations all within an easy drive. If you enjoy sun, salt, fishing, boating, baseball or great fresh seafood, Pine Island is the right place for you and your family. Start living on "Island Time."

2471 AVOCADO Street, St James City
2510 Rose Avenue, St James City
$379,000
2 Beds ⋅ 3 Baths ⋅ 2026038314 MLS
Welcome to Pine Island! Bring your boat, trailer, camper, and a toothbrush! Enjoy a relaxed lifestyle in the heart of beautiful St. James City! This TURNKEY furnished elevated stilt home sits on almost one-third of an acre and offers a wonderful combination of space, privacy, accessibility, and location. The home features a fenced backyard with a double gate, making it easy to bring in a boat, RV, trailer, or other recreational toys. With no HOA and no restrictions on storing boats or RVs, you have the freedom to truly enjoy your property and the Southwest Florida lifestyle. St. James City is golf-cart friendly, and you’re just a quick ride from local restaurants, bars, and shopping. The neighborhood is perfect for walking the dog, riding bikes, or simply enjoying the laid-back pace of island living. The St. James City Civic Center is less than a block away, offering a park and a variety of activities and entertainment for both children and adults. This home is also designed with accessibility and comfort in mind. An exterior lift provides convenient access from the ground level to the spacious upstairs screened porch, making the home handicap accessible. The home offers two screened porches—one conveniently located off the garage and another upstairs where you can truly take advantage of the beautiful Florida weather. The upstairs porch faces east and offers must-see sunrise views. Sliders open from the porch into the bedroom, living room, and dining room, creating a wonderful connection between indoor and outdoor living. Inside, the main living area thoughtfully separates the bedrooms, providing additional privacy for family and guests. Recent updates include a new metal roof and electrical panel with new receptacles in 2023, along with hurricane windows and a hurricane-rated garage door for added peace of mind. The front staircase and rear steps feature durable composite decking for easy maintenance. With nearly one-third of an acre, a fenced yard, no HOA restrictions, great accessibility, multiple outdoor living spaces, and a location close to everything St. James City has to offer, this is a home that makes it easy to embrace the island lifestyle.

2510 Rose Avenue, St James City
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