St James City Homes under $400,000

St James City Homes under $400,000

Welcome to St. James City, a hidden gem nestled on the serene Pine Island in Lee County, Florida. This charming community offers a unique blend of natural beauty and small-town warmth, making it an ideal place for those seeking a tranquil lifestyle away from the hustle and bustle of city life. With its picturesque waterfront views, lush landscapes, and a vibrant local culture, St. James City is perfect for families, retirees, and anyone looking to embrace the laid-back Florida lifestyle.

One of the most appealing aspects of St. James City is the affordability of its housing market. Here, you can find a variety of charming homes priced under $400,000, making it an attractive option for first-time buyers and seasoned investors alike. These homes often come with spacious yards, proximity to the water, and a sense of community that is hard to find elsewhere. Whether you’re looking for a cozy bungalow, a spacious family home, or a delightful vacation retreat, St. James City has something to offer everyone.

In addition to its affordable housing options, the city boasts an array of recreational activities. Spend your days fishing, boating, or simply soaking up the sun on the beautiful beaches nearby. With a welcoming community and a rich array of local shops and restaurants, St. James City is more than just a place to live; it's a lifestyle waiting to be embraced. Discover your dream home in this idyllic paradise today!

Newest St James City Homes under $400,000

5029 Gulfgate Lane, St James City
$215,000
2 Beds ⋅ 2 Baths ⋅ Pine Island Cove SubDv.
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 ⋅ Cherry Estates SubDv.
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 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 summer the electric ranged from $117-$125 max. This home is light, bright and has everything you need to make this your Island Paradise.

3055 Harpoon Lane, St James City
4971 Porky Lane, St James City
$198,500
2 Beds ⋅ 2 Baths ⋅ Pine Island Cove SubDv.
Beautifully furnished TURNKEY 2 Bedroom, 2 Bath Home in 55+ community of Pine Island Cove St. James city. This inviting residence offers 1,346 sq. ft. with an open modern floor plan with a clean minimalist aesthetic feel throughout. The spacious floor plan includes two generously sized bedrooms each offering plenty of room for a king size bed with 2 spacious walk-in closets, along with two beautifully updated contemporary bathrooms as well as a large functional laundry room everyday convenience. While the impressive 12' x 26' lanai with tinted acrylic sliding windows provides the perfect indoor-outdoor retreat. Additional exterior features include a 12' x 26' carport and a private concrete back patio, ideal for BBQ, plants, outdoor seating and extra storage opportunities. Located in the highly desirable 55+ boating and recreational community of Pine Island Cove. Residents enjoy a vibrant Florida lifestyle with direct Gulf of Mexico access from the community's private boat ramp as well boat storage for your convenience. The neighborhood also offers pickleball courts, Tennis, shuffleboard, a heated pool and spa, a clubhouse with regular activities, a community park, and a variety of recreation areas designed for community connection and enjoyment. Bring your boat, golf cart, and bikes—and start living your best Florida lifestyle in this exceptional home in Pine Island Cove.

4971 Porky Lane, St James City
3913 Dewberry Lane, St James City
$300,000
2 Beds ⋅ 2 Baths ⋅ Cherry Estates SubDv.
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 ⋅ Cherry Estates SubDv.
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 ⋅ Pine Island Tropical Homesites SubDv.
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 ⋅ Pine Island Cove SubDv.
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 ⋅ Cherry Estates SubDv.
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
2510 Rose Avenue, St James City
$399,000
2 Beds ⋅ 3 Baths ⋅ Gulfhaven SubDv.
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
3680 Mango Street, St James City
$339,000
3 Beds ⋅ 3 Baths ⋅ Pine Island Tropical Homesites SubDv.
BRING THE BOAT, TRAILER, KAYAKS & ALL THE TOYS! Welcome to 3680 Mango Street in St. James City, where laid-back island living meets flexibility and opportunity. With no HOA, the property offers potential for short-term or vacation rental use. Whether you're looking for a full-time residence, island getaway, or potential income-producing property, this one gives you options. Featuring two primary suites, the layout is ideal for hosting family, friends, or guests, while the air-conditioned Florida room provides additional usable living space. This is the Pine Island lifestyle people come here for! Bring the boat and trailer, load up the kayaks, and spend your days on the water. Explore Pine Island Sound, fish some of Southwest Florida's legendary waters, kayak the mangroves, bike the island, visit nearby preserves, or head out by boat toward Cayo Costa, Cabbage Key, Captiva, and Sanibel Islands. Back on land, enjoy St. James City's waterfront restaurants, marinas, fishing charters, live music, and unmistakable colorful Old Florida atmosphere. No HOA. Room for the toys. Close to the water. Pure Pine Island living. Discover the possibilities at 3680 Mango Street.

3680 Mango Street, St James City
4826 Sandpiper Drive SW, St James City
$389,000
2 Beds ⋅ 2 Baths ⋅ Flamingo Bay SubDv.
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
4821 Curlew Drive, St James City
$130,500
2 Beds ⋅ 1 Baths ⋅ Flamingo Bay SubDv.
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
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