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 southern tip of Pine Island in Lee County, Florida. This charming coastal community is a paradise for those who appreciate the tranquility of waterfront living and the allure of nature. St. James City is renowned for its picturesque landscapes, vibrant sunsets, and a laid-back lifestyle that attracts both residents and visitors alike.

One of the most appealing features of St. James City is its collection of homes with navigable water access. Imagine stepping out of your backyard and onto your boat, ready to explore the pristine waters of the Gulf of Mexico, or simply enjoying a peaceful afternoon fishing from your dock. These waterfront properties offer not only stunning views but also an unparalleled lifestyle for boating enthusiasts and nature lovers. With direct access to the waterways, residents can easily venture out for a day of island hopping, fishing, or simply soaking up the sun on the open sea.

St. James City is also home to a variety of local shops, restaurants, and recreational activities, making it an ideal place to call home. The community is rich in history and offers a friendly atmosphere that fosters connections among neighbors. Whether you’re looking to retire in peace, raise a family in a serene environment, or invest in a vacation home, St. James City provides the perfect backdrop for a fulfilling life by the water.

Discover the charm of St. James City and experience the joy of waterfront living in this enchanting Florida community. Your dream home awaits!

Newest St James City Homes with Navigable Water Waterfront

$874,000
3 Beds ⋅ 3 Baths ⋅ 2026031849 MLS
Discover the perfect blend of luxury, coastal elegance & Southwest Florida's ultimate boating lifestyle in this beautifully remodeled (2025) waterfront retreat. Nestled in a peaceful setting w/ protected preserve land directly across the street that can never be built on, this home offers exceptional privacy. Boaters will love the new composite dock w/ a 10,000-lb & 20,000-lb boat lift, offering quick, deep-water access to Pine Island Sound, world-class fishing & island hopping to Sanibel, Captiva, Cayo Costa, Boca Grande & beyond. From the moment you step inside, you'll appreciate the bright, open great room floor plan, soaring ceilings, abundant natural light & desirable southern exposure. Whitewashed wood flooring throughout creates a warm coastal chic feel, while a custom shiplap feature wall w/ raw-edge wood shelving & a built-in electric fireplace is the focal point of the great room. Expansive pocketing sliding glass doors seamlessly connect the indoor living space to the lanai for effortless indoor-outdoor living & entertaining. The dream kitchen features white raised-panel cabinetry accented w/ crown molding, under-cabinet lighting, quartz countertops, a striking navy tile backsplash, stainless steel appliances & an oversized island overlooking the great room. The thoughtfully designed split-bedroom floor plan provides exceptional privacy. The primary suite features private lanai access, dual walk-in closets, two custom vanities & a tiled walk-in shower w/ multiple shower heads. Guests enjoy their own private wing w/ two spacious bedrooms, walk-in closets & the ability to close off the guest wing for added privacy. One guest bedroom also offers direct lanai access, plus a convenient pool bath. Outdoor living truly shines w/ a picture-window screened pool cage framing the waterfront views, a heated saltwater pool w/ sun shelf & water features, Cavalier electric hurricane screens & a custom gondola-style tiki bar w/ built-in bar, creating the perfect space for entertaining. The oversized lot offers room for trailer parking, while the 3-car garage w/ epoxy floors, impact windows & doors & 2024 standing seam metal roof, provide lasting quality & peace of mind. Combining high-end finishes, outstanding construction, incredible outdoor living & exceptional boating access, this is more than just a waterfront home—it's the Southwest Florida lifestyle you've been dreaming about.

3921 Galt Island Avenue, St James City
$389,000
2 Beds ⋅ 2 Baths ⋅ 2026029221 MLS
PRICE REDUCED!! NOW 389,000! Direct Gulf Access • Island Vibes • Laid-Back St. James City Living!! St. James City Waterfront Living — Minutes to Open Gulf Waters! Welcome to your slice of island life in St. James City on beautiful Pine Island, FL. This direct Gulf-access manufactured home sits on a quiet canal just minutes from open water, offering effortless boating, world-class fishing, and postcard sunsets right from your own backyard. Step outside and embrace the laid-back coastal lifestyle — fish from your private dock, launch your boat from your 8k lb boat lift for a day on the Gulf, or unwind as the sky glows over the mangroves each evening. This is the kind of place where neighbors wave from golf carts, salty breezes drift through the palms, and every day feels like vacation. Property & Lifestyle Highlights: 2023 manufactured home with 2 bedroom & 2 bath open concept great for entertaining! Stainless steel appliances, and a kitchen island with seating to accommodate your guests. Open and bright functional space with plenty of room for dinner parties. Large covered deck facing the canal where you can enjoy your morning coffee and watch your neighbors boat by. Large concrete dock, composite dock and 8k lb boat lift with canopy for your boating adventures! Direct Gulf access — no bridges, no delays, just pure boating freedom! Private dock for fishing, kayaking, or keeping your boat ready to go. Island vibe with maintenance free landscaping and relaxed coastal charm. Golf-cart friendly community — ride to waterfront restaurants, bars, and shops. Live music and local seafood minutes away! Sunset views that make every evening unforgettable. Whether you’re seeking a weekend escape, a full-time coastal retreat, or a vacation rental opportunity, this home delivers the best of Pine Island living — laid back, waterfront, and wonderfully unhurried. Schedule your private showing today and discover the relaxed beauty of island living!

3822 Blueberry Lane, St James City
$320,000
2 Beds ⋅ 2 Baths ⋅ 2026030527 MLS
Tucked away in the quaint boating community of St. James City, this completely remodeled waterfront property offers a serene escape with direct Gulf access and breathtaking canal views. With over 90 ft. of seawall and boating dockage, there is plenty of room for your toys! Imagine stepping into a home where every detail has been thought of from the gleaming new flooring beneath your feet to the freshly painted walls that envelop you in warmth. The kitchen invites all to gather with a comfy breakfast bar and open concept for entertaining. Newer stainless appliances and pretty new cabinets make ready for the chef of the family. Beyond the walls, a large expansive patio and screened lanai beckon you to unwind, providing an idyllic vantage point to gaze upon the waterway that leads to the majestic Gulf of Mexico. Whether you’re drawn by the allure of some of the best fishing right out your back door or the convenience of nearby dining, shopping, and seafood markets, this home is a gateway to the delights of coastal living. With beautiful beaches just a short boat ride away, this property isn't just a home; it's a lifestyle waiting to be embraced. With an extra large lot , you are able to store your RV on the east side of your home and hook right up to your own RV hookup!! Your surroundings are always alive with nearby craft markets, neighborhood music gatherings, festivals and lots of fun things to do. This is a great second home opportunity, fantastic investment property or home sweet home!!

3653 Dewberry Lane, St James City
$999,000
2 Beds ⋅ 2 Baths ⋅ 2026030275 MLS
Rare opportunity to own a DIRECT GULF ACCESS waterfront pool home situated on TWO oversized lots with an impressive 120 feet of waterfront in the heart of beautiful Pine Island. Offering quick, unrestricted boating access with no bridges, this exceptional property is just a short ride to Sanibel, Captiva, Cayo Costa, and some of Southwest Florida's most renowned fishing waters. Whether you're heading offshore for world-class fishing, cruising to waterfront restaurants, or exploring secluded barrier islands, this location is truly second to none. Designed for both comfort and peace of mind, the home features a durable metal roof, impact-resistant windows, and a brand-new Generac whole-house generator fueled by "three" 300-gallon propane tanks, ensuring you're well prepared year-round. A spacious waterfront viewing platform provides the perfect place to relax, entertain, or simply soak in the expansive water views and unforgettable Florida sunsets. The sparkling pool overlooks the canal, creating an ideal setting for outdoor living, while the generous waterfront offers ample space for your boating lifestyle. Surrounded by the natural beauty of Pine Island, you'll enjoy a relaxed Old Florida atmosphere with nearby marinas, waterfront restaurants, kayaking, nature preserves, and endless opportunities for boating and fishing. Properties offering two lots, 120 feet of waterfront, direct Gulf access, and premium upgrades like these are exceptionally rare.

2272 York Road, St James City
$365,000
2 Beds ⋅ 2 Baths ⋅ 2026030136 MLS
Welcome to your ultimate waterfront retreat at 3064 Sloop Ln, St. James City, Florida! This exceptional property offers the perfect blend of relaxed island living and an active coastal lifestyle, starting with a convenient carport covered driveway that shields your vehicles from the Florida sun. Inside, you are greeted by gorgeous, solid bamboo flooring that runs seamlessly throughout the entire home, offering durability and a touch of modern tropical elegance. The floor plan feels exceptionally open and inviting thanks to a spacious addition that dramatically expands your indoor living and entertaining space. Step outside to discover a private outdoor paradise designed for maximum leisure and functionality. Cool off or unwind after a day in the sun in your own private courtyard featuring a sparkling pool, or head over to the dedicated workshop that provides the ideal space for tools, hobbies, and gear storage. For boating enthusiasts, this property is a true paradise, featuring direct Gulf access via a wide canal right from your backyard, complete with a private boat lift to ensure your vessel is secure and ready for spontaneous island adventures at a moment's notice. Whether you are looking for a year-round residence or a vacation getaway, this meticulously maintained property delivers the Florida lifestyle you have been dreaming of.

3064 Sloop Lane, St James City
$644,900
3 Beds ⋅ 2 Baths ⋅ 2026026276 MLS
Welcome to your waterfront paradise in the heart of St. James City! This beautifully remodeled 3-bedroom, 2-bath home offers direct Gulf access with quick boating access to Pine Island Sound, the Intracoastal Waterway, world-class fishing, waterfront restaurants, and the pristine beaches of Sanibel, Captiva, Cayo Costa, and Boca Grande. Spacious and designed for comfortable island living, the home features both a living room and a family room, providing plenty of space for entertaining, relaxing, and accommodating guests. At the heart of the home is a brand-new kitchen featuring wood cabinetry, granite countertops, and stainless steel appliances, creating a stylish and functional space for everyday living. The primary suite offers a private en-suite bath with a walk-in shower and new vanity, providing a fresh and inviting retreat. Enjoy the Florida lifestyle with a heated saltwater pool, screened lanai, and an extensive list of recent upgrades that provide peace of mind for years to come. Major improvements include a new seawall (2024), impact windows and doors (2024), new A/C and ductwork (2025), all-new PEX plumbing (2025), new drywall throughout including ceilings (2025), resurfaced pool (2025), new pool equipment (2026), new cabinetry throughout, stainless steel appliances (2026), and a new water heater (2026) and smart thermostat. Relax on the screened lanai overlooking the pool, spend your days boating, fishing, shelling, or exploring nearby islands, and enjoy everything that makes Southwest Florida's waterfront lifestyle so desirable. Whether you're looking for a full-time residence, seasonal retreat, or weekend boating getaway, this move-in-ready home offers the perfect blend of modern updates, spacious living, island charm, and direct access to some of the best boating waters Southwest Florida has to offer.

2763 Sanderling Court, St James City
$1,500,000
3 Beds ⋅ 2 Baths ⋅ 2026026014 MLS
This is a unique and gorgeous waterfront paradise and a true boater's dream! Situated on nearly a HALF-ACRE in the heart of St. James City, this exceptional property offers the ultimate island lifestyle with 176 feet of waterfront and quick access to open water. The property features TWO covered boat lifts, one 20,000# and one 8,000#, making it effortless to launch your next fishing or boating adventure. Outdoor living takes center stage with a resort-style pool and spa, and a cozy fire pit—perfect for entertaining family and friends while enjoying beautiful waterfront views. A detached garage with a loft provides abundant storage and flexible space for hobbies and all your fishing gear, while the dedicated RV parking area with hookups offers added convenience for travelers and visitors. There is a separate fish shack for working on your fishing gear or relaxing with friends bragging about the day's catch. Whether you're an avid fisherman, boating enthusiast, or simply seeking a private waterfront retreat, this one-of-a-kind home on a double lot in St. James City delivers the ultimate island life-style.

2823 8th Avenue, St James City
$559,900
2 Beds ⋅ 2 Baths ⋅ 2026025325 MLS
Experience the best of island waterfront living at 3608 Rita Lane—offering coveted Direct Gulf access with no bridges and designed for serious boaters, anglers, and those seeking the relaxed Southwest Florida lifestyle. This charming, mostly furnished 2-bedroom, 2-bath waterfront home is located in one of St. James City’s most desirable boating neighborhoods and combines classic Florida character with valuable upgrades and exceptional marine amenities. Built with solid block construction and topped with a durable metal roof, this property offers peace of mind, low-maintenance ownership, and the freedom to enjoy island living to the fullest. The true highlight is outside, where your waterfront setup is ready to go. Enjoy a permitted boathouse, large boat lift, and an expansive walk-around Trex dock complete with water and electric—creating the perfect environment for effortless boating, fishing, entertaining, or simply enjoying life on the canal. If you want to add a pool, there is room in the backyard to design your perfect waterside oasis. With direct Gulf access, your next adventure to Pine Island Sound, outer islands, waterfront restaurants, and world-class fishing grounds is just minutes away. Inside, the home offers a comfortable, functional layout with 2 bedrooms and 2 full bathrooms, enhanced by timeless terrazzo flooring throughout, which adds durability and authentic Florida charm. Recent improvements include a new air conditioner and a new water heater, allowing you to move in and start enjoying the property immediately. The mostly furnished interior makes this an easy transition for seasonal use, full-time living, or an investment opportunity. Additional features continue to set this property apart, including a one-car garage with excellent storage space for tools, fishing gear, and boating essentials, plus a rare 30-amp RV hookup—ideal for guests, extra flexibility, or recreational use. Best of all—NO HOA, giving you the freedom to store your toys, enjoy your property your way, and fully embrace the waterfront lifestyle without added restrictions or fees. Whether you're searching for a winter retreat, full-time island residence, or the ultimate boating getaway, 3608 Rita Lane delivers direct Gulf access, outstanding dockage, quality construction, and the laid-back Florida lifestyle buyers dream about.

3608 Rita Lane, St James City
$1,484,000
3 Beds ⋅ 3 Baths ⋅ 2026024775 MLS
LOCATION LOCATION LOCATION! Your Slice of Paradise Awaits! Step into this fully furnished, turnkey waterfront masterpiece and prepare to be swept away by breathtaking panoramic views of Pine Island Sound and Sanibel Island. Nestled in one of Southwest Florida’s most coveted locations, this gulf-access pool home is a rare gem that blends luxury, comfort, and island charm. Interior Elegance Meets Coastal Chic Every inch of this home is thoughtfully designed with beachy, nautical décor that instantly transports you to vacation mode. The gourmet kitchen is a chef’s dream, featuring Cambria Quartz countertops, GE High-Profile stainless steel appliances, and a layout perfect for entertaining. Peace of Mind & Premium Upgrades Enjoy the security and style of a metal roof, impact-resistant windows and doors, plank tile flooring, and plantation shutters throughout. A new AC keeps things cool, while the shiplap lanai ceiling adds a touch of coastal sophistication. Outdoor Living at Its Finest Sip cocktails from your screened balcony as dolphins and manatees glide by. Take a dip in the heated saltwater pool, then unwind with the best sunsets in SWFL. With two covered boat lifts (14k & 7k lbs.), composite docks, and a fish cleaning station, your waterfront lifestyle is ready to launch. Island Adventures & Ultimate Convenience - Hop in your included golf cart (valued at $20K and loaded with extras) and explore nearby amenities, or cruise on your boat to local islands and beaches for world-class fishing and relaxation. This is more than a home—it’s a gateway to the island life you’ve always dreamed of. Fall in Love. Move to Paradise. Whether you're seeking a serene retreat or a vibrant coastal lifestyle, this home delivers it all. Don’t just buy a house—claim your piece of paradise.

3420 1st Avenue, St James City
$320,000
2 Beds ⋅ 2 Baths ⋅ 2026023757 MLS
Enjoy the island lifestyle in Cherry Estates of St. James City! This boaters paradise offers GULF ACCESS, a renovated interior, and an enclosed air-conditioned lanai for additional living space and year-round comfort. The property also features a dock with covered boat lift, providing excellent shade and protection for both the boat and dock area. Spend your days fishing right from your dock for snook, redfish, trout, and flounder, while enjoying frequent sightings of manatees and dolphins passing through the canal. Located on a quiet street in one of Pine Island’s most popular boating communities, residents enjoy easy access to fishing, kayaking, waterfront restaurants, and beautiful Southwest Florida sunsets. Available completely furnished, making this an excellent opportunity for a seasonal retreat, vacation home, or full-time residence.

3089 Skipper Lane, St James City
$325,900
2 Beds ⋅ 2 Baths ⋅ 2026022309 MLS
Wake up to shimmering waterfront views and spend your afternoons on the boat, and come home to Fisherman’s Wharf Unit B3—your perfect island retreat in the heart of St. James City. Located in the highly sought-after waterfront community of Pine Island, this coastal getaway offers the laid-back lifestyle buyers dream about, whether you’re searching for a full-time residence, seasonal escape, or income-producing investment property. Unit B3 places you right in the center of some of Southwest Florida’s best fishing and boating waters, with easy access to the Intracoastal, nearby islands, waterfront restaurants, and world-class backwater fishing. Inside, the unit is designed for easy island living with bright coastal spaces, a relaxed waterfront feel, and low-maintenance convenience so you can spend more time enjoying the water and less time worrying about upkeep. The Fisherman’s Wharf community is known for its authentic “Old Florida” charm, offering a peaceful waterfront atmosphere that feels worlds away from the crowds yet remains close to local marinas, restaurants, live music, and everything that makes St. James City such a special hidden gem. Whether you’re sipping coffee while watching dolphins pass by, heading out for a day on the boat, or simply enjoying the slower pace of island life, Fisherman’s Wharf Unit B3 delivers the waterfront lifestyle buyers are searching for. Come experience why so many people fall in love with life on Pine Island. Your island escape awaits.

2912 Oleander Street Unit B3, St James City
$517,000
3 Beds ⋅ 2 Baths ⋅ 2026021965 MLS
Waterfront luxury, move-in ready — and just minutes to the Gulf! New pool liner & lanai screen! This updated 3-bedroom, 2-bath Saint James City home offers a heated pool & spa, deep-water canal with sailboat access, and a 10,000-lb lift (boat on lift is negotiable). Nearly everything is new, from the roof to the kitchen — all that’s missing is you. Welcome to your waterfront paradise on one of the most desirable canals in the quiet, friendly neighborhood of Saint James City. There is no HOA or CDD with this three bedroom, two bath home and property. The home has been beautifully updated and showcases elegant tile flooring throughout, offering great style and easy maintenance. The new stone countertops and cabinets are timeless, boast elegance, and maintain durability. The heart of the home features stainless steel kitchen appliances and new washer and dryer. The roof, water heater, and raised A/C were new in 2022. Almost everything about this home has been fully updated! Step outside from the living room or from two of the bedrooms to the large oasis, complete with a sparkling deep heated pool and a newly renovated spa that flows into the pool – ideal for private relaxation and rejuvenation. A portion of the lanai is covered and ideal for outdoor seating and dining; the larger poolside area provides great space to lounge in the sun and take in the views of the canal, sunrises, and sunsets. Boating enthusiasts will love the 10,000 lb boat lift and the wrap around dock. The deep water canal provides direct sailboat access and is ideal for every boating, kayaking and fishing interest. Pine Island Sound and the Gulf itself are mere minutes away, providing memorable trips to Sanibel, uncrowded beaches, and sunset cruises so close to home. Fish in the Tarpon Capitol of the world, and catch Redfish, snook, and Seatrout along the mangroves of Pine Island Sound. Watch dolphins play and manatees lounge right under your dock! Enjoy quaint shops, nearby grocers, and excellent waterfront dining with fresh faire, delicious refreshments, and live entertainment. Soak in the historic culture of Pine Island and its nature preserves. This is known as “Old Florida” so serene and quiet, yet so conveniently located to airports, golf courses, and all that Ft. Myers and Cape Coral offer within a short drive. This property is a fantastic home and an incredible investment opportunity at a great price. Don’t miss out on this rare gem – schedule your private tour today and consider living the Southwest Florida dream!

3728 Emerald Avenue, St James City
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