St James City Homes with Navigable Water Waterfront

St James City Homes with Navigable Water Waterfront

Welcome to St. James City, a hidden gem nestled on the picturesque Pine Island in Lee County, Florida. This charming community is a haven for those seeking a tranquil lifestyle surrounded by natural beauty and waterfront living. With its warm tropical climate and stunning sunsets, St. James City offers an idyllic setting for both relaxation and adventure.

One of the most alluring aspects of St. James City is its access to navigable water. The homes here are uniquely positioned to offer residents direct access to the pristine waters of the Gulf of Mexico, making it a paradise for boating enthusiasts, anglers, and nature lovers alike. Imagine stepping out of your back door and onto your boat, ready to explore the scenic waterways, catch some fish, or simply enjoy a leisurely cruise. With a variety of waterfront properties available, you can find your dream home that perfectly aligns with your lifestyle.

In addition to its stunning homes, St. James City boasts a vibrant community filled with friendly neighbors and local charm. Enjoy fresh seafood at waterfront restaurants, explore the nearby nature preserves, or partake in local events that bring the community together. Whether you are looking for a permanent residence or a vacation retreat, St. James City offers a unique blend of relaxation, adventure, and a close-knit community.

Come discover the enchanting allure of St. James City, where your waterfront dream home awaits! Embrace the lifestyle you’ve always wanted in this beautiful corner of Florida.

Newest St James City Homes with Navigable Water Waterfront

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
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
3921 Stabile Road, St James City
$199,900
2026039988 MLS
Direct Gulf-access lot in the St. Jude Harbors subdivision of Pine Island (part of, and just north of St. James City), property wraps around the end of the canal and has 50 of canal frontage on the opposite side of the canal. You effectively own the whole end of the canal with options to utilize it for expanded docks / decks, etc. That in itself is already quite interesting from the ownership and user potential, but it gets better. Across from this property, this owner is also selling a 1.1 acre (freshwater) waterfront lot (3940 Stabile Road, St. James City), that encompasses the whole outside-corner and street length of this (inside-corner) lot. See aerials to grasp the magnificence of this rare combo opportunity!!! If developed together, the gulf-access lot become your "fancy boat / guest house", while the huge freshwater lot would be a spectacular site for a waterfront mansion. What an amazing opportunity!

3921 Stabile Road, 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
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
3300 6th Avenue, St James City
$499,000
2 Beds ⋅ 1 Baths ⋅ 2026037079 MLS
Welcome to this incredibly charming turn key furnished waterfront cottage paradise! Tucked beneath sprawling oaks, mature mahoganies and swaying palms, this secluded St. James City retreat offers nearly half an acre of shaded, private waterfront bliss — yet it's just minutes from some of the island's favorite restaurants, bars, and local hangouts. And did we mention the privacy? The property feels like your own tropical hideaway. Watch manatees and dolphins cruise the canal from your backyard, cast a line, or grill the catch of the day after bringing it in from your own 30-foot dock. Not fishing today? Two nearby fresh seafood markets make it easy to bring home the day's local catch. And if outdoor living is your thing, Enjoy mornings on your two screened porches — one overlooking the expansive backyard and waterfront, and another facing the large front yard. Morning coffee, afternoon cocktails, or a quiet evening outdoors — you've got the perfect spot for every mood. Inside, the cottage has been updated while keeping its unmistakable Old Florida beach-house character. The large butcher block kitchen island provides plenty of room for friends and family to gather for drinks, dinner, and fish stories, while the spacious living area keeps everything comfortable and inviting. One of the home's most memorable features is beneath your feet: unique hand-painted wood floors running throughout the cottage. Creative, colorful, and easy to maintain, they're almost guaranteed to become a conversation piece the moment guests walk through the door. The oversized primary bedroom offers a built-in vanity and two large closets, while the second bedroom has a generous closet of its own. The bathroom features a roomy walk-in tile shower, tile flooring, and a corner linen cabinet with deep shelving. The updated laundry room includes a newer front-loading washer and dryer, a new water heater, a generous butcher block folding counter, and upper cabinetry. When you're ready to explore, simply walk out to your dock, step aboard the boat, and go. From your backyard, it's approximately a fifteen-minute canal ride through beautiful mangroves, with incredible fishing, bird watching, and Southwest Florida nature along the way. Continue into Pine Island Sound, and a whole new world opens up — Sanibel, Fort Myers Beach, gulf waters, waterfront restaurants, and countless places to explore by boat. Or don't go anywhere at all. Fire up the grill, grab a cold drink, and enjoy the shade beneath the trees while boats, dolphins, and manatees pass by. This is exactly the Pine Island lifestyle people come for.

3300 6th Avenue, St James City
4826 Sandpiper Drive SW, St James City
$389,000
2 Beds ⋅ 2 Baths ⋅ 2026036122 MLS
Welcome to Flamingo Bay!!! With almost 1400 square feet of living area, this gulf access home is situated on a full lot, featuring 2 bedrooms plus a den, 2 full baths, an oversized 1-car garage, and an open concept living/dining area with a large island. Keep your boat secured on your private 10,000 lbs. lift where you'll always be minutes away from Gulf waters. Go fishing early in the morning or sail into the sunset in the evening. Whatever your interests are, tranquility awaits you at Pine Island. Schedule your private showing today.

4826 Sandpiper Drive SW, St James City
2744 Mangrove Street, St James City
$325,000
2026036440 MLS
This Gulf access, waterfront, vacant lot is a clean slate and ready for a brand new home! This property boasts a seawall, 10K# Lift, composite dock, private boat ramp, and the best part, save yourself thousands of dollars in impact fees, water and electric hookups as the previous home was destroyed by Ian and removed. There are no bridges or locks to maneuver. There is quick access to the Intracoastal Waterway, Sanibel, Captiva, Gulf of Mexico, Ft. Myers Beach and all the Outer Islands with great fishing and boating just minutes away. The owner loved the rear Eastern exposure making it cooler in the afternoon to enjoy entertaining and dining on the back deck 12 months a year! This lot is priced to sell!

2744 Mangrove Street, St James City
3853 Cherry Lane, St James City
$225,000
226030571 MLS
**Ready-to-Build Waterfront Investment on Cherry Lane — Saint James City, FL** Rare opportunity to step into build ready lot with plans for a high revenue rental property. The cleared lot boasts a brand new never used 13,000lb boat lift, new dock, new electric/water, and a recent survey and appraisal both for current value and projected value upon completion of the designed plans. Buyers will have the option to use the plans or design their own dream waterfront home. Additionally, the lot has a protected SW facing view with protected preserve directly across the canal. All work has been done professionally and fully permitted. This is one of the best fishing and boating communities in Florida, and from your new dock you're just a five-minute run out to the Gulf, adjacent to Sanibel Island, Captiva to the north, and Fort Myers Beach to the south. Not all lots are the same, drive by and you will see the difference and why the majority of active builds are on Cherry LN. Whether you're building your own island escape or adding a standout asset to your investment portfolio, 3853 Cherry Lane delivers the lot, the location, and the infrastructure to make it happen. **Property Highlights** - Cleared lot with high rental revenue build plans ready to go - Brand new, never-used 13,000lb boat lift with new dock - SW facing deep water canal with protected preserve view - Rare finger street with city water & sewer - 250V RV plug - Just a 5-minute boat run to the Gulf — Captiva and Sanibel to the north, Fort Myers Beach to the south - One of the best fishing and boating communities in all of Florida

3853 Cherry Lane, St James City
2498 Sapodilla Lane, St James City
$725,000
3 Beds ⋅ 3 Baths ⋅ 2026034614 MLS
Welcome to waterfront living in St. James City! Situated on a spacious oversized corner lot, this beautifully remodeled waterfront home combines an open, inviting floor plan with expansive water views and the indoor/outdoor lifestyle Southwest Florida is known for. Remodeled in 2017, the home features tile flooring throughout, creating a clean, cohesive feel ideal for waterfront living. The heart of the home is the open-concept great room and kitchen, featuring white raised-panel wood cabinetry, marble countertops, stainless steel appliances, a large center island and pantry with convenient pull-out shelving. An entire wall of sliders opens the great room to an incredibly spacious screened lanai that extends nearly the full length of the home, seamlessly expanding the living and entertaining space outdoors while overlooking the water. The primary suite offers a double-door entry and private en suite bath featuring marble countertops, a remodeled walk-in shower, dual-sink vanity, linen closet and walk-in closet. Two additional guest bedrooms share a convenient Jack-and-Jill bath with a walk-in shower and marble countertop, while an additional half bath located off the kitchen is perfect for guests. Outside, the oversized corner lot provides plenty of room to enjoy the Florida sunshine, room to add a pool and a separate outdoor storage shed for all your boating, fishing and island gear. A large waterfront tiki overlooking the length of the canal creates the perfect setting for entertaining, sunset cocktails or simply relaxing by the water. The seawall has been reinforced, adding another valuable waterfront improvement. Additional peace-of-mind features include a new metal roof installed in 2023 and impact windows and doors throughout, with the exception of the front entry door, which is protected by an accordion hurricane shutter. No floodwater from any storm has entered the living area of the home. For the boater and angler, this is where the St. James City lifestyle truly comes alive, complete with a fish-cleaning station for the day's catch. Spend your days cruising the surrounding waterways, heading out to Pine Island Sound and the Gulf, fishing some of Southwest Florida's renowned waters, or island hopping to Sanibel, Captiva, North Captiva, Cayo Costa and Boca Grande. Whether your perfect day means chasing snook and redfish, pulling up to a waterfront restaurant or dropping anchor at a secluded beach, it's all within reach. With its 3-bedroom layout, multiple baths, expansive indoor/outdoor entertaining areas, waterfront tiki and desirable boating location, the property also offers exciting vacation rental or investment potential, providing flexibility to enjoy it as your own island retreat, an income-producing property, or a combination of both.

2498 Sapodilla Lane, 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
3795 Manatee Drive, St James City
$849,900
3 Beds ⋅ 2 Baths ⋅ 2026033940 MLS
**ASSUMABLE FLOOD INSURANCE POLICY UNDER $1,000 PER YEAR!** Experience the ultimate Southwest Florida waterfront lifestyle in this beautifully remodeled 3-bedroom, 2-bath pool home, completely updated in 2019 and designed for effortless indoor-outdoor living. No hurricane or storm surge water has ever entered the home, offering an added level of peace of mind. Boaters will appreciate the exceptional direct, deep-water access providing an easy route to Pine Island Sound, the Gulf, nearby beaches, island destinations & some of Southwest Florida’s most renowned fishing grounds. The impressive waterfront setup features two boat lifts—10,000 lb & 7,000 lb—both equipped with GEM remotes, a boathouse with metal roof, composite dock with water & electric, plus a fish cleaning station. Inside, vaulted ceilings and abundant natural light enhance the open great room concept with a desirable split-bedroom floor plan. Expansive sliders extend the living space directly to the lanai, creating a seamless connection between indoors & out. The kitchen is the focal point of the home, showcasing a large island with waterfall-edge granite, granite countertops, tile backsplash, under-cabinet lighting, Bosch dishwasher, stainless steel appliances, abundant drawers & cabinetry, plus a pantry with convenient pull-out shelving. A separate beverage area in the dining room adds the perfect touch for entertaining. The spacious primary suite offers private lanai access through sliders, two walk-in closets and an en suite bath with dual sinks & a walk-in shower featuring multiple shower heads. Both guest bedrooms are generously sized and can accommodate king-size beds, while the guest bath conveniently doubles as a pool bath. Step outside to your private waterfront oasis featuring an electric & solar-heated pool with waterfall accent and a lanai spanning the full length of the home, including a generous under-truss area with plenty of room for dining, lounging & entertaining. Additional features include an in-residence laundry room with utility sink, 2-car garage with workbench, generator plug & transfer switch, new tile flooring throughout all main living areas with carpet in the bedrooms, accordion shutters throughout the entire home, and electric roll-down shutters protecting the lanai. Whether you're heading out for a day of fishing on Pine Island Sound, cruising to the Gulf, island hopping to nearby beaches or simply relaxing poolside, this home puts the best of the Southwest Florida boating lifestyle right outside your back door.

3795 Manatee Drive, St James City
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