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 the serene Pine Island in Lee County, Florida. Known for its picturesque landscapes and laid-back lifestyle, this charming community offers a unique blend of natural beauty and modern conveniences. With its stunning waterfront views, lush mangroves, and an abundance of wildlife, St. James City is a paradise for nature lovers and outdoor enthusiasts alike.

Residents here enjoy a peaceful atmosphere, making it the perfect escape from the hustle and bustle of city life. The area is renowned for its fishing, boating, and kayaking opportunities, with easy access to the surrounding waters of the Gulf of Mexico. Additionally, the local community embraces a vibrant arts scene, with galleries and local markets showcasing the talents of Pine Island artisans.

For those considering a move to St. James City, the homes within the Homeowners Association (HOA) community provide a sense of security and camaraderie. These well-maintained properties often feature beautifully landscaped yards, community amenities, and organized events that foster neighborly connections. The HOA ensures that the community remains a desirable place to live, with regulations that maintain property values while enhancing the overall aesthetic appeal of the area.

Whether you’re looking for a cozy cottage or a spacious waterfront retreat, St. James City offers a variety of housing options that cater to diverse lifestyles. Experience the charm of island living in a community that truly feels like home. Discover why so many have chosen to call St. James City their own slice of paradise!

Newest St James City Homes with Home Owners Association Community Type

$239,900
2026036730 MLS
Discover Treasure Cove, Pine Island’s newest waterfront community, with fast, deep-water access to San Carlos Bay and the Gulf of Mexico. Designed with boaters in mind, Treasure Cove offers an exceptional location for fishing, cruising, and enjoying the Southwest Florida waterfront lifestyle. YOU MUST CHECK OUT THE VIDEO FLYOVER IN THE VIRTUAL TOUR. The community features low HOA fees, central water and sewer, and new homes built to today’s elevation standards to help reduce flood risk. Choose a complete home-and-lot package or purchase your waterfront homesite separately and build when you’re ready—there is no required timeline to begin construction. All home plans are subject to HOA approval. Secure your place in this new Pine Island waterfront community and start planning the home—and boating lifestyle—you’ve been waiting for.

3019 Trawler Lane, St James City
$229,900
2026036755 MLS
Discover Treasure Cove, Pine Island’s newest waterfront community, with fast, deep-water access to San Carlos Bay and the Gulf of Mexico. Designed with boaters in mind, Treasure Cove offers an exceptional location for fishing, cruising, and enjoying the Southwest Florida waterfront lifestyle. YOU MUST CHECK OUT THE VIDEO FLYOVER IN THE VIRTUAL TOUR. The community features low HOA fees, central water and sewer, and new homes built to today’s elevation standards to help reduce flood risk. Choose a complete home-and-lot package or purchase your waterfront homesite separately and build when you’re ready—there is no required timeline to begin construction. All home plans are subject to HOA approval. Secure your place in this new Pine Island waterfront community and start planning the home—and boating lifestyle—you’ve been waiting for.

2950 Trawler Lane, St James City
$240,000
2026035960 MLS
Build your ideal Pine Island retreat on this oversized 80x180 clear lot located on quiet Flamingo Drive in Saint James City. This property is ready for your new manufactured home. Enjoy direct water access, the lot sits high and open offering easy build ability and ample space for parking, outdoor living and storage. The HOA is voluntary that includes use of the pool & boat ramp if you chose to join. It is close to marinas, waterfront dinning and all the charm of Pine Island living. This homesite offers exceptional value for a seasonal get away or full time Florida lifestyle. Just minutes out to great fishing or visiting the Cayo Costa Beach.

5127 Curlew Drive, St James City
$67,000
2026035701 MLS
Located in Flamingo Bay on Pine Island, this property offers the relaxed Southwest Florida lifestyle. Enjoy boating, fishing, kayaking, and the laid-back island atmosphere. Pine Island is well known for its outdoor recreation and easy access to the bay and Gulf to world class fishing. An excellent opportunity to secure your piece of Pine Island to put your manufacture home or build a home. This lot is cleared and has a nice oak tree for shade. The HOA is voluntary or if you chose to become a member it is a one- time membership fee of $500.00, plus an annual fee of $325.00 per person. Members have access to a variety of recreational amenities, including heated pool, boat ramp, pickleball court, Shuffleboard, horseshoe pit and a Club house for community activities. The property is located near local restaurants, shopping, banks, and churches.

4873 Sandpiper Drive, St James City
$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
$84,900
2025011910 MLS
Some homesites are simply hard to replace — this is one. This lot in Island Acres, a 1.24-acre parcel, offers space and privacy rarely found in a gated community, tucked quietly at the end of a cul-de-sac. Now offered at $84,900, it's also the most affordable acre-plus lot on the island. Island Acres is a small, close-knit community of just 31 homesites, built around Treasure Lake — a peaceful gathering spot with a lakeside pavilion, sandy beach, and calm water views. Residents enjoy a scenic perimeter trail for walking, jogging, or biking, along with private roads and underground utilities that keep the neighborhood clean, uncrowded, and unhurried. The lot is served by city water and septic, giving you the reliability of a public water connection paired with the flexibility of your own septic system — a great combination for a custom-built home in a natural setting. Lot 5 offers a wooded, natural landscape, with half the property preserved as conservation land, framing your future home with mature trees and a buffer from neighbors — a rare feature that makes this homesite feel more like a private retreat than a typical subdivision lot. And you're never far from everything Pine Island offers: waterfront dining, marinas, boat ramps, and local shopping are just minutes away. This is your opportunity to secure the largest, most private homesite in a gated Pine Island community—at a price that's tough to beat.

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
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