St James City Homes under $700,000

St James City Homes under $700,000

Welcome to St. James City, a hidden gem nestled on the serene Pine Island in Lee County, Florida. Known for its stunning waterfront views and a vibrant community atmosphere, St. James City offers a unique blend of tropical charm and laid-back living. Whether you're an avid fisherman, a nature lover, or simply seeking a peaceful retreat, this enchanting locale has something for everyone.

St. James City is a haven for those looking for affordable homes without compromising on quality. With a variety of properties available under $700,000, you can find your dream home in this picturesque setting. From cozy single-family homes to spacious waterfront retreats, the real estate options here cater to diverse lifestyles and preferences. Many of these homes feature modern amenities, open-concept designs, and stunning views of the surrounding nature, making them perfect for both relaxation and entertaining.

The community is vibrant, with local shops, restaurants, and recreational activities just a stone's throw away. Enjoy leisurely strolls along the waterfront, partake in exciting fishing adventures, or explore the lush landscapes that make this area so special. The welcoming atmosphere of St. James City fosters a sense of belonging, where neighbors become friends and every day feels like a vacation.

If you're ready to embrace a lifestyle filled with sunshine, tranquility, and community spirit, St. James City is calling your name. Discover the charm of this idyllic destination and explore the fantastic homes available under $700,000. Your dream home awaits in this tropical paradise!

Newest St James City Homes under $700,000

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
3400 Coquina Lane, St James City
$459,900
2 Beds ⋅ 2 Baths ⋅ 2026034789 MLS
Peaceful Island Retreat Escape to your own slice of Peaceful Island Paradise! Tucked away on the southern end of Pine Island and nestled along saltwater-fed Lake Castile, this beautifully maintained 2019 home offers the privacy, tranquility, and laid-back lifestyle you’ve been dreaming of—while keeping boating, dining, nature, and island entertainment just minutes away. Inside, the modern coastal design is filled with natural light thanks to an abundance of windows and features an open floor plan with soaring ceilings, a gorgeous living room with a gas fireplace, and an eat-in chef’s kitchen complete with a gas range. The spacious primary suite is joined by a junior primary suite, making this home ideal for guests or multi-generational living. Outside is where island living truly shines. Spend lazy afternoons lounging by the pool, enjoy happy hour overlooking the lake, and take in Pine Island’s spectacular sunsets surrounded by mature trees and native wildlife. And for the ultimate retreat, the property includes an air-conditioned she-shed—the perfect private space for a home office, creative studio, hobby room, reading retreat, or simply your own place to escape. The oversized garage features built-in cabinetry and a dedicated workshop area, while ample parking makes entertaining easy. Additional highlights include a propane tankless water heater, propane dryer, impact windows and doors throughout, and a durable metal roof. Best of all, you’re just 5 minutes from a marina and boat launch, with nature trails and preserves within walking distance and local restaurants offering live entertainment nearby. Come discover the peaceful island life you’ve been waiting for—where every day feels like a getaway!

3400 Coquina Lane, St James City
8787 Kodiak Lane, St James City
$549,900
2 Beds ⋅ 2 Baths ⋅ 2026029107 MLS
SELLER FINANCING AVAILABLE! RARE PINE ISLAND ACREAGE HOME WITH HEATED SALTWATER POOL, 2,100-SQ.-FT. DETACHED GARAGE & TURNKEY FURNISHINGS! Opportunities like this are hard to find on Pine Island. Set on approximately 1.4 acres in St. James City, this charming custom home offers privacy, space, flexibility, and endless possibilities for full-time living, multigenerational living, a seasonal Florida retreat, or potential vacation rental use. SELLER FINANCING IS AVAILABLE, creating another option for buyers looking to make this unique Southwest Florida property their own. The beautifully remodeled 2-bedroom, 2-bath home was updated by Stearns Custom Home Builders and is full of coastal character, including board-and-batten walls, tongue-and-groove ceilings, beadboard accents, detailed trim work, and thoughtful finishes throughout. The remodeled kitchen features quartz countertops, stainless steel appliances, solid wood soft-close cabinetry, and decorative tilework. Hurricane-impact windows and doors add peace of mind, and the home is being sold TURNKEY FURNISHED. The layout offers excellent flexibility. Upstairs, the main living area includes a spacious primary bedroom and balcony overlooking the tropical pool setting. Downstairs, a private guest suite with kitchenette, walk-in closet, and bathroom creates a great setup for extended family, guests, multigenerational living, or separate living quarters. Outside, the property feels like a private Pine Island retreat. The detached heated saltwater pool is surrounded by lush tropical landscaping and mature palms, with plenty of room for entertaining, relaxing, and enjoying the Southwest Florida sunshine. One of the biggest highlights is the approximately 2,100-square-foot DETACHED CONCRETE GARAGE featuring a commercial-grade automatic roll-up door, additional air-conditioned room, 50-amp RV hookup, and newer RV pad. There is exceptional space for boats, RVs, vehicles, golf carts, workshop use, hobbies, recreational equipment, or storage. Located in St. James City, you are close to boat ramps, fishing, kayaking, waterfront dining, local restaurants, and the laid-back Old Florida lifestyle Pine Island is known for. For buyers searching for a Pine Island acreage home, St. James City pool home, property with RV and boat storage, multigenerational home, turnkey Florida getaway, or potential vacation rental, this property offers a combination of land, lifestyle, and versatility that is increasingly difficult to find. An additional approximately 1/2-acre corner lot adjoining the property is also available for purchase, creating the opportunity for even more land and future possibilities.

8787 Kodiak Lane, St James City
3760 Gasparilla Street, St James City
$379,000
3 Beds ⋅ 2 Baths ⋅ 2026028063 MLS
Reaching CO! - NEW CONSTRUCTION WITH A ONE-YEAR BUILDER WARRANTY! Welcome to the Sandollar Model by Turnbary Homes, offering 3 bedrooms, 2 bathrooms and 1,770 square feet of thoughtfully designed living space on an oversized 0.31-acre homesite in St. James City. The bright, open-concept great room flows seamlessly into the kitchen and dining area, creating an inviting space for everyday living and entertaining. The kitchen features an island and pantry, while the private owner’s suite includes a spacious walk-in closet, dual sinks and a walk-in shower. Two additional bedrooms provide comfortable space for family, guests or a home office. Enjoy Florida living from the oversized covered lanai, with room on the property for a future pool. Additional features include impact-resistant windows and doors, tile flooring, indoor laundry, a paved driveway, two-car garage, central water and no HOA. House is complete & reaching CO. Ask about any currently available builder incentives. Photos and renderings may depict a similar completed home or model; actual colors, finishes and features may vary.

3760 Gasparilla Street, St James City
3744 Gasparilla Street, St James City
$364,900
3 Beds ⋅ 2 Baths ⋅ 2026028060 MLS
Reaching CO! Welcome to the Sunset Model, a brand-new 3-bedroom plus den, 2-bath home situated on an oversized 0.31-acre homesite in St. James City. This thoughtfully designed residence offers 1,549 square feet of living space, an open-concept great room, a spacious kitchen with island and pantry, an indoor laundry room, and a two-car garage. The private owner’s suite features a walk-in closet, dual sinks, and a walk-in shower, while the separate den provides flexible space for a home office, guests, or hobbies. Enjoy Florida living from the covered lanai, with room on the property for a future pool. Additional features include impact-resistant windows and doors, tile flooring, central water, modern finishes, no HOA, and a one-year builder warranty. House is completed and reaching CO. Ask about any currently available builder incentives. Photos and renderings may depict a similar completed home or model; actual colors, finishes, and features may vary.

3744 Gasparilla Street, St James City
2430 Orange Street, St James City
$292,500
2 Beds ⋅ 2 Baths ⋅ 2026025634 MLS
Welcome to your slice of paradise in the heart of St. James City! This beautifully remodeled 2-bedroom, 2-bath home perfectly embodies the relaxed island lifestyle that makes this waterfront community so desirable. Nestled on a quiet street, you'll enjoy peace and privacy while being just a short walk from several popular restaurants, waterfront bars, live music venues, and local favorites. Inside, you'll immediately appreciate the extensive updates throughout, including a remodeled kitchen with new stainless steel kitchen appliances (not pictured), updated bathrooms, new flooring, and stylish finishes that blend modern comfort with classic island charm. The home is filled with character and warmth, creating an inviting atmosphere that's hard to find at this price point. The spacious great room features soaring ceilings that enhance the open, airy feel of the home, while the primary suite offers its own dramatic vaulted ceiling, creating a true retreat. The oversized primary bedroom includes a private ensuite bathroom, walk-in closet, and a secluded balcony—perfect for enjoying your morning coffee or relaxing with an evening breeze. Whether you're looking for a full-time residence, winter getaway, or investment property, this home presents an exceptional opportunity to own a move-in-ready piece of island paradise. Affordable island homes with this level of updating, character, and location are becoming increasingly difficult to find. Spend your days fishing, boating, dining with friends, exploring the islands, or simply enjoying the laid-back atmosphere that makes St. James City so special. This home offers everything you need to start living the island dream—without the premium price tag. If you've been searching for the perfect entry point into the island lifestyle, this charming, updated home is the opportunity you've been waiting for.

2430 Orange Street, St James City
2551 Tamarind Street, St James City
$440,000
2 Beds ⋅ 3 Baths ⋅ 2026024360 MLS
Welcome to this beautifully updated 2-bedroom, 2.5 bath home in the heart of Saint James City, where comfort, style, and entertainment come together. Featuring an oversized master suite with two spacious walk-in closets, separate an oversize shower and stand alone tub with his & her sinks, this home offers the space and functionality today’s buyers are looking for. Recent improvements provide peace of mind, including a new roof, stucco siding, back deck with covered lanai & screen enclosure, impact-resistant windows and doors, new appliances, all new HVAC & ducking and a new water heater. The house is equipped with a whole house generator hook up plug. The range is propane fueled. Another standout feature is the massive open downstairs area which is an incredible space perfect for entertaining, hosting game nights, creating a home theater, setting up a billiards room, or accommodating additional guests. The possibilities are endless. An air-conditioned garage adds valuable flexibility for hobbies, storage, a workshop, or fitness space. Outside, you’ll find a private backyard designed for enjoying the Florida lifestyle, with plenty of room for outdoor dining, gatherings, and enjoying your own tropical oasis, which has a irrigation system & outdoor landscape lighting as well. Whether you’re searching for a full-time residence, vacation getaway, or the ultimate place to entertain family and friends, this exceptional Saint James City home is basically a brand new home ready to enjoy! This house is a walk, bike ride, golfcart ride away from all that Saint James City has to offer. Including, a community park, bars & restaurants, marinas and plenty of events that are scheduled periodically throughout the year. Additional property available for purchase on west side of residence (Located behind house).

2551 Tamarind Street, St James City
8677 Whispering Pines Drive, St James City
$439,000
3 Beds ⋅ 3 Baths ⋅ 2026014958 MLS
Private and peaceful 3 bed/3 bath two-story home on 1.37 acres in St. James City with a flexible in-law suite. The upper level offers 2 bedrooms, 2 baths, open living, formal dining, den/office, and interior laundry. Sliding glass doors open to a wraparound wood porch on three sides. The kitchen features ample cabinetry, generous counter space, and a breakfast bar. The primary suite includes a walk-in closet, tiled walk-in shower, and porch access. The massive 1,120 sq ft lower level has a separate entrance and includes a full kitchen, living and dining area with wood-burning fireplace, bedroom, bath, and a 10' x 13' storage room with built-ins. Two sets of sliding doors lead to an oversized concrete patio. Additional features include a large shed with drive-in access, updated electrical panel, city water and septic, and the home has never flooded. No HOA or deed restrictions—room for boats, RVs, and future outbuildings. Convenient location near Matlacha, fishing, boating, dining, and beaches.

8677 Whispering Pines Drive, St James City
2661 Bamboo Street, St James City
$335,000
2 Beds ⋅ 1 Baths ⋅ 2026003721 MLS
DOUBLE LOT GULF-ACCESS OPPORTUNITY--SELL ONE, REMODEL HOUSE ON THE OTHER OR BUILD NEW Rare waterfront offering in St. James City with 2 separate lots with direct access and no bridges to open water. This is a true lot-value investment opportunity-keep both parcels for an expansive new home build, continue remodeling existing structure with plans and permits provided by the Seller or sell one lot and recoup a significant portion of your investment. This property features a concrete seawall, carport, and storage shed, with immediate boating access to open water. The existing elevated 2-bedroom, 1-bath structure (832 sq. ft. under air) was impacted by Hurricane Ian and has since been raised above flood elevation. The home is currently uninhabitable and in unfinished condition, with framed walls and floor stringers in place, offering the option to renovate or remove and build new. Whether you're an investor looking for land potential, a builder seeking two buildable parcels, or an end user wanting space and waterfront access, this property presents exceptional upside in a desirable Pine Island boating community. The sellers have already completed significant upfront work and secured a permit along with architectural and construction plans, all of which can be conveyed to the Buyers. Cash buyers or renovation financing only. Sold AS-IS.

2661 Bamboo Street, St James City
3524 5th Avenue, St James City
$475,000
3 Beds ⋅ 2 Baths ⋅ 2026001749 MLS
This 2024-built 3-bedroom, 2-bath stilt home offers 1,518 square feet of modern coastal living and is built like it plans to be here a while. The oversized pilings are driven approximately 25 feet into the ground, providing serious structural confidence and peace of mind. Elevated, well-built, and thoughtfully designed, this home checks both the practical and aesthetic boxes. It has never been lived in full time, and yes—it still has that unmistakable “new home smell” you don’t usually get in resale homes. Inside, you’ll find a bright, open-concept floor plan with a spacious great room and a stylish kitchen featuring stainless steel appliances, ample cabinetry, and a large island perfect for entertaining, meal prepping, or pretending you’re on a cooking show. The split-bedroom layout offers privacy, with three generously sized bedrooms and two modern bathrooms finished with clean, contemporary touches. Natural light fills the home, and the elevated setting adds both airflow and charm. Downstairs, the covered area provides flexible space currently set up with a spa and seating—ideal for post-fishing relaxation, evening cocktails, or just enjoying the fact that you don’t live in a snowstorm. Parking is conveniently located in front of the home, and the stilt design makes excellent use of space while enhancing the coastal lifestyle. Situated near the highly desirable Henley Canal—one of the most active canals in St. James City—the home offers a front-row seat to daily boat traffic, island vibes, and authentic Pine Island living. You’re within walking distance to restaurants, waterfront bars, fishing spots, and all the local flavor that makes this area special. The home is currently set up for and actively operating as a vacation rental and can continue as such with new ownership, making it a rare find that works just as well as an investment as it does a personal retreat. Whether you’re looking for a primary residence, a seasonal escape, or a property that pays for itself while you’re not using it, this one delivers—with a little personality to match.

3524 5th Avenue, St James City
3435 Sea Holly Lane, St James City
$449,999
2 Beds ⋅ 2 Baths ⋅ 226000198 MLS
Pictures available upon request. Welcome to your very own slice of island paradise in the heart of St. James City, where laid-back living meets endless waterfront adventure. This 2-bedroom, 1.5-bath home is situated on a large pie-shaped lot at the end of a quiet cul-de-sac, offering a MASSIVE 158 feet of double seawall, a concrete boat dock, and direct access to the Gulf with no bridges—an ideal setup for boaters. The expansive lot provides ample room for a future pool, workshop, RV, boat, boat lift, or additional storage, giving you flexibility and space to make it your own. Inside, the home features an open kitchen and dining area that creates a bright and airy feel, a spacious sunroom perfect for relaxing or entertaining, and an impressive amount of storage throughout. Recent updates include upgraded plumbing and electrical, a rebuilt HVAC system, a new water heater, and a roof replaced in 2021. A flooring credit is being offered at closing, allowing you to add your personal touch. St. James City, located on the southern tip of Pine Island, is known for its world-class fishing, waterfront dining, eclectic art community, and easy boat access to nearby islands such as Sanibel, Captiva, and Cayo Costa. With no traffic lights and a relaxed atmosphere, it offers a true escape from the hustle and bustle. Experience the tropical lifestyle with room to grow, unwind, and enjoy everything Southwest Florida has to offer.

3435 Sea Holly Lane, St James City
3140 BINNACLE Lane, St James City
$550,000
3 Beds ⋅ 2 Baths ⋅ 225055419 MLS
GREAT INVESTMENT WATERFORNT PROPERTY WITH GULF ACCESS 3 BEDROOM 2 BATH 1,920 SQ FT UNIQUE TRIPLE-WIDE-MUST SEE! READY TO MOVE IN! A open floor plan-large living area and impressive kitchen including gas range, generous walk-in pantry, custom cabinetry, upgraded appliances, R/O water-filtration system and extensive countertop space with breakfast bar. Large rooms throughout with ceramic tile; and laminate wood flooring in bed rooms. Split bedroom layout, both can comfortable accommodate king beds. The x-large walk-in master closet has custom built-ins, the den can be used for a office, or a 3rd bedroom. Inside laundry room with on-demand gas water heater, laundry tub, ample storage and a home office build-in desk area. Palm Harbor Triple-wide home with many structure upgrades sits on a cul-de-sac with large pie shaped lot, 95 feet of seawall, great views from screened lanai, lots of windows make the home bright, open with great water views. Replaced a/c in 2018, metal roof 2017, 10,000lb covered boat lift 2019. It's Island Time here!-use the lift remote to lower your boat where minutes away is Pine Island Sound or Gulf of Mexico for some of the best fishing in SW Florida-NO BRIDGES!

3140 BINNACLE Lane, St James City
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