St James City Homes with Home Owners Association Community Type

St James City Homes with Home Owners Association Community Type

Welcome to St. James City, a hidden gem nestled on Pine Island in Lee County, Florida. This charming coastal community is known for its laid-back atmosphere, stunning waterfront views, and an abundance of outdoor activities that make it a haven for nature lovers and those seeking a serene lifestyle.

St. James City offers a unique blend of small-town charm and modern conveniences. With its picturesque landscapes, you'll find lush mangroves, tranquil waterways, and vibrant wildlife, making it an ideal setting for kayaking, fishing, and bird-watching. The community is also home to several parks and nature preserves, providing ample opportunities for hiking and exploring the great outdoors.

One of the standout features of St. James City is its well-established Homeowners Association (HOA) communities. These neighborhoods not only offer beautifully maintained homes but also a sense of camaraderie among residents. The HOA ensures that the community remains pristine and vibrant, with amenities such as community pools, clubhouses, and organized social events that foster connections among neighbors.

Whether you're looking for a cozy waterfront cottage or a spacious family home, St. James City has a diverse range of properties to suit your needs. With a strong emphasis on community and an enviable lifestyle, living here means embracing the Florida dream. Experience the tranquility of island living while enjoying the benefits of a close-knit community. Come and discover why St. James City is the perfect place to call home!

Newest St James City Homes with Home Owners Association Community Type

$89,900
2026000963 MLS
FLAMINGO BAY FULL 80'X180' LOT...Great opportunity to enjoy the quality of life this beautiful area has to offer. The many benefits of having your new Southwest Florida home on this site include the wonderful weather, lower population density and laid-back rural island lifestyle. Pine Island has several parks for walking in nature preserves, bird watching and fishing from shore. Grocery stores, locally owned small businesses, restaurants, and nightlife within a 15-minute drive. Flamingo Bay has a voluntary HOA that includes use of the pool and boat ramp. The ramp is just a few minutes’ drive/walk down from this home site. You can be out to the Intercoastal Waterway in 10 minutes and the Gulf of Mexico in about 30. Pine Island Sound is known worldwide for the abundant fishing, playful dolphins and shelling from the surrounding barrier islands' beaches. The previous home had been removed after the hurricane. Come join our special community!

4809 Sandpiper Drive, St James City
$49,500
2026023283 MLS
Your Florida dream lifestyle in Pine Island Cove — a highly desirable 55+ boating community in the heart of beautiful Pine Island/St. James City Florida. Come and build your perfect affordable Island Retreat This 52' x 80' Lot allows for an Elevated Manufactured Home or an Elevated Site-Built home, leaving plenty of room for a carport and useful shed. Enjoy affordable coastal living with exceptional amenities including private community boat ramp allowing fast gulf access to best fishing Pine Island has to offer. Store your boat for only $50/per year in the community storage yard. Enjoy community Pool and clubhouse, pickleball, tennis, Bocci ball and endless community events. Bring your golf cart, bicycles, fishing gear, and boat, and start enjoying the relaxed island atmosphere of Pine Island Cove, St. James City Florida. Whether you’re looking for a seasonal retreat or full-time paradise, this friendly waterfront community offers one of the most affordable ways to enjoy Southwest Florida living. Vacant lot HOA fees are only $80/month, increasing to just $160/month once your home is built — an incredible value for the Florida retirement lifestyle you’ve been dreaming of. You truly must see this community to appreciate everything it has to offer — your perfect retirement lifestyle awaits!!!

7150 Ladyfish Drive, St James City
$359,000
2026021416 MLS
Rare opportunity to own a direct Gulf access homesite in a low-cost HOA community surrounded by beautiful upscale homes. Enjoy the confidence of investing in a well-maintained neighborhood while embracing the laid-back island lifestyle and conveniences of St. James City. Build your dream home on one of Pine Island’s hidden gems and experience some of the very best boating and fishing Southwest Florida has to offer. With quick access to open water, you can spend your days exploring the islands and beaches of SWFL, enjoying world-class fishing, waterfront dining, and unforgettable sunsets right from your backyard. New pilings and dock/captains walk.

2936 Buttonwood Key Court, St James City
$40,000
2026015874 MLS
Build your ideal island retreat on this affordable 50x80 residential lot located in the desirable 55+ community of Pine Island Cove. This friendly, well-maintained neighborhood offers a relaxed coastal lifestyle with low monthly fees and excellent amenities. The lot features .09 acres (4,008 sq ft) with east rear exposure, grass ground cover, and no trees, making it easy to design and place your new home. Manufactured homes and single-family homes are permitted, and the property is serviced by central water, private sewer, underground utilities, and cable. Residents enjoy a heated saltwater pool, spa, clubhouse, pickleball, bocce, picnic areas, and boat/RV storage. The community is known for its active social atmosphere and convenient location near boating, fishing, and the natural beauty of Pine Island. This is a great opportunity to secure a buildable lot in a popular 55+ community with a low $80/month HOA and easy access to all that island living offers.

7144 Ladyfish Drive, St James City
$390,000
2025021955 MLS
Build your tropical island dream home on this cleared Gulf access canal. This property is located in a gated community. Home site is located at the southern tip of St. James City, on Pine Island. Minutes to Sanibel, Captiva, Cabbage Key, Ft. Myers Beach and more . You will be boating to some of the best fishing spots and beautiful Beaches.

2417 Macadamia Lane, St James City
$89,900
2025011910 MLS
Build your private Pine Island retreat on this 1.24-acre homesite in Island Acres, an intimate gated community of just 31 properties. Quietly set at the end of a cul-de-sac, this oversized wooded lot offers the space, privacy, and natural setting so many buyers want—yet it’s only minutes to Pine Island shopping, waterfront restaurants, marinas, and boat ramps. At the center of the neighborhood is Treasure Lake, where residents enjoy a lakeside pavilion, sandy beach area, and tranquil water views. A perimeter nature trail invites morning walks, jogging, and biking, while private roads and underground utilities help preserve the community’s attractive, uncrowded feel. Recorded covenants provide for connection to the Greater Pine Island public-water system; an individual septic system and drainfield will be required. The current mandatory association assessment is $1,702 annually and supports ongoing community maintenance and services. Lot 5 is planned to retain its natural island character, with 50% of the property preserved as conservation area. The owner may propose the location of this preserved portion, subject to Association approval—creating an opportunity to thoughtfully position a future home within the wooded surroundings. All construction, clearing, grading, driveways, and other improvements require Architectural Review Board and applicable governmental approvals. If you’ve been searching for more than an ordinary vacant lot, this is your chance to design a custom home in one of Pine Island’s most distinctive private settings—surrounded by nature, neighborhood amenities, and a relaxed island lifestyle. Buyers should independently verify the conservation-area location, buildable envelope, lot dimensions, setbacks, utilities, septic and drainage requirements, current Association information, environmental conditions, and all required development approvals.

9437 Treasure Lake Court, St James City
$108,000
224099988 MLS
JUST REDUCED-MOTIVATED SELLER! Pine Island Cove, nestled on Pine Island, near Flamingo Bay, is a well-kept secret. Eagles and Ospreys are abundant, the island is part of Old Florida's Nature and has some of the best fishing in the world. Vacant waterfront lot in this 55+ mobile home community. Lot is situated on a canal that has access to Pine Island Sound and the Gulf, via a boat lift. Community has amenities such as heated community pool and spa, pickleball, dog park, community boat ramp and lift. On site boat and RV storage available.

7228 Cobiac Drive, St James City
Start Your Search