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 serene Pine Island in Lee County, Florida. This charming community boasts a unique blend of natural beauty, waterfront living, and a laid-back lifestyle that captivates residents and visitors alike. With its stunning sunsets and lush landscapes, St. James City is the perfect retreat for those seeking a tranquil escape from the hustle and bustle of everyday life.

One of the standout features of St. James City is its access to navigable water. Homes here offer waterfront living at its finest, with many properties boasting direct access to the Gulf of Mexico. Imagine waking up to the gentle sound of waves lapping at your dock, ready to embark on a day of fishing, boating, or simply soaking up the sun on your private deck. Whether you're a seasoned sailor or a weekend adventurer, the navigable waterways provide endless opportunities for exploration and leisure.

The community is rich in charm, with quaint shops, delightful restaurants, and friendly locals who embody the spirit of island living. Nature enthusiasts will revel in the abundant wildlife that surrounds the area, including opportunities for birdwatching and kayaking through beautiful mangroves.

St. James City is not just a place to live; it's a lifestyle that embraces the best of Florida's coastal charm. Whether you're looking for a cozy cottage or a luxurious waterfront estate, this idyllic community invites you to immerse yourself in the beauty of island life. Come discover the magic of St. James City, where your dream home awaits!

Newest St James City Homes with Navigable Water Waterfront

$525,888
2 Beds ⋅ 1 Baths ⋅ 2026037079 MLS
Welcome to this incredibly charming turn key furnished waterfront cottage paradise! Tucked beneath sprawling oaks, mature mahoganies and swaying palms, this secluded St. James City retreat offers nearly half an acre of shaded, private waterfront bliss — yet it's just minutes from some of the island's favorite restaurants, bars, and local hangouts. And did we mention the privacy? The property feels like your own tropical hideaway. Watch manatees and dolphins cruise the canal from your backyard, cast a line, or grill the catch of the day after bringing it in from your own 30-foot dock. Not fishing today? Two nearby fresh seafood markets make it easy to bring home the day's local catch. And if outdoor living is your thing, Enjoy mornings on your two screened porches — one overlooking the expansive backyard and waterfront, and another facing the large front yard. Morning coffee, afternoon cocktails, or a quiet evening outdoors — you've got the perfect spot for every mood. Inside, the cottage has been updated while keeping its unmistakable Old Florida beach-house character. The large butcher block kitchen island provides plenty of room for friends and family to gather for drinks, dinner, and fish stories, while the spacious living area keeps everything comfortable and inviting. One of the home's most memorable features is beneath your feet: unique hand-painted wood floors running throughout the cottage. Creative, colorful, and easy to maintain, they're almost guaranteed to become a conversation piece the moment guests walk through the door. The oversized primary bedroom offers a built-in vanity and two large closets, while the second bedroom has a generous closet of its own. The bathroom features a roomy walk-in tile shower, tile flooring, and a corner linen cabinet with deep shelving. The updated laundry room includes a newer front-loading washer and dryer, a new water heater, a generous butcher block folding counter, and upper cabinetry. When you're ready to explore, simply walk out to your dock, step aboard the boat, and go. From your backyard, it's approximately a fifteen-minute canal ride through beautiful mangroves, with incredible fishing, bird watching, and Southwest Florida nature along the way. Continue into Pine Island Sound, and a whole new world opens up — Sanibel, Fort Myers Beach, gulf waters, waterfront restaurants, and countless places to explore by boat. Or don't go anywhere at all. Fire up the grill, grab a cold drink, and enjoy the shade beneath the trees while boats, dolphins, and manatees pass by. This is exactly the Pine Island lifestyle people come for.

3300 6th Avenue, St James City
$374,900
2 Beds ⋅ 2 Baths ⋅ 2026036742 MLS
Island living without the upkeep! Built new in 2024 by Skyline, this waterfront home delivers the Pine Island boating lifestyle, modern construction and an easy, low-maintenance way to enjoy life on the water. Major waterfront improvements are already in place with a seawall replaced in 2020, composite dock and boat lift, plus quick, direct Gulf access putting you within easy reach of Pine Island Sound, the Gulf, beaches and some of the area’s favorite fishing and boating destinations. Don’t let the square footage fool you—this home lives surprisingly large with 9’ ceilings, an open-concept design, abundant natural light and crown molding throughout. The kitchen anchors the great room with a center island perfect for gathering, 2024 appliances, ample cabinetry and crown molding, while the open living and dining areas create a bright, comfortable and inviting space. Tile flooring flows through the main living areas with soft carpet in the bedrooms. The primary suite offers a private bath with a tiled walk-in shower, while the guest bedroom enjoys its own private bath with a tiled shower—an ideal setup for visiting family and friends. Outdoor living adds even more usable space with a generous 10’ x 24’ lanai plus a separate porch for morning coffee, cocktails or relaxing after a day on the water. There’s even room to add a pool. An outdoor storage shed provides additional space for boating gear, fishing equipment and island essentials. Whether you’re looking for a full-time Pine Island home, seasonal getaway or simply a low-maintenance home base for boating and fishing, this property lets you spend less time maintaining a home and more time enjoying the island lifestyle. Small footprint, surprisingly spacious feel and a BIG Florida lifestyle!

2705 Patterson Court, St James City
$389,000
2 Beds ⋅ 2 Baths ⋅ 2026036122 MLS
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 on your private lift/dock 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
$325,000
2026036440 MLS
This Gulf access, waterfront, vacant lot is a clean slate and ready for a brand new home! This property boasts a seawall, 10K# Lift, composite dock, private boat ramp, and the best part, save yourself thousands of dollars in impact fees, water and electric hookups as the previous home was destroyed by Ian and removed. There are no bridges or locks to maneuver. There is quick access to the Intracoastal Waterway, Sanibel, Captiva, Gulf of Mexico, Ft. Myers Beach and all the Outer Islands with great fishing and boating just minutes away. The owner loved the rear Eastern exposure making it cooler in the afternoon to enjoy entertaining and dining on the back deck 12 months a year! This lot is priced to sell!

2744 Mangrove Street, St James City
$235,000
226030571 MLS
**Ready-to-Build Waterfront Investment on Cherry Lane — Saint James City, FL** Rare opportunity to step into build ready lot with plans for a high revenue rental property. The cleared lot boasts a brand new never used 13,000lb boat lift, new dock, new electric/water, and a recent survey and appraisal both for current value and projected value upon completion of the designed plans. Buyers will have the option to use the plans or design their own dream waterfront home. Additionally, the lot has a protected SW facing view with protected preserve directly across the canal. All work has been done professionally and fully permitted. This is one of the best fishing and boating communities in Florida, and from your new dock you're just a five-minute run out to the Gulf, adjacent to Sanibel Island, Captiva to the north, and Fort Myers Beach to the south. Not all lots are the same, drive by and you will see the difference and why the majority of active builds are on Cherry LN. Whether you're building your own island escape or adding a standout asset to your investment portfolio, 3853 Cherry Lane delivers the lot, the location, and the infrastructure to make it happen. **Property Highlights** - Cleared lot with high rental revenue build plans ready to go - Brand new, never-used 13,000lb boat lift with new dock - SW facing deep water canal with protected preserve view - Rare finger street with city water & sewer - 250V RV plug - Just a 5-minute boat run to the Gulf — Captiva and Sanibel to the north, Fort Myers Beach to the south - One of the best fishing and boating communities in all of Florida

3853 Cherry Lane, St James City
$725,000
3 Beds ⋅ 3 Baths ⋅ 2026034614 MLS
Welcome to waterfront living in St. James City! Situated on a spacious oversized corner lot, this beautifully remodeled waterfront home combines an open, inviting floor plan with expansive water views and the indoor/outdoor lifestyle Southwest Florida is known for. Remodeled in 2017, the home features tile flooring throughout, creating a clean, cohesive feel ideal for waterfront living. The heart of the home is the open-concept great room and kitchen, featuring white raised-panel wood cabinetry, marble countertops, stainless steel appliances, a large center island and pantry with convenient pull-out shelving. An entire wall of sliders opens the great room to an incredibly spacious screened lanai that extends nearly the full length of the home, seamlessly expanding the living and entertaining space outdoors while overlooking the water. The primary suite offers a double-door entry and private en suite bath featuring marble countertops, a remodeled walk-in shower, dual-sink vanity, linen closet and walk-in closet. Two additional guest bedrooms share a convenient Jack-and-Jill bath with a walk-in shower and marble countertop, while an additional half bath located off the kitchen is perfect for guests. Outside, the oversized corner lot provides plenty of room to enjoy the Florida sunshine, room to add a pool and a separate outdoor storage shed for all your boating, fishing and island gear. A large waterfront tiki overlooking the length of the canal creates the perfect setting for entertaining, sunset cocktails or simply relaxing by the water. The seawall has been reinforced, adding another valuable waterfront improvement. Additional peace-of-mind features include a new metal roof installed in 2023 and impact windows and doors throughout, with the exception of the front entry door, which is protected by an accordion hurricane shutter. No floodwater from any storm has entered the living area of the home. For the boater and angler, this is where the St. James City lifestyle truly comes alive, complete with a fish-cleaning station for the day's catch. Spend your days cruising the surrounding waterways, heading out to Pine Island Sound and the Gulf, fishing some of Southwest Florida's renowned waters, or island hopping to Sanibel, Captiva, North Captiva, Cayo Costa and Boca Grande. Whether your perfect day means chasing snook and redfish, pulling up to a waterfront restaurant or dropping anchor at a secluded beach, it's all within reach. With its 3-bedroom layout, multiple baths, expansive indoor/outdoor entertaining areas, waterfront tiki and desirable boating location, the property also offers exciting vacation rental or investment potential, providing flexibility to enjoy it as your own island retreat, an income-producing property, or a combination of both.

2498 Sapodilla Lane, St James City
$129,900
2 Beds ⋅ 1 Baths ⋅ 2026034996 MLS
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
$859,900
3 Beds ⋅ 2 Baths ⋅ 2026033940 MLS
**ASSUMABLE FLOOD INSURANCE POLICY UNDER $1,000 PER YEAR!** Experience the ultimate Southwest Florida waterfront lifestyle in this beautifully remodeled 3-bedroom, 2-bath pool home, completely updated in 2019 and designed for effortless indoor-outdoor living. No hurricane or storm surge water has ever entered the home, offering an added level of peace of mind. Boaters will appreciate the exceptional direct, deep-water access providing an easy route to Pine Island Sound, the Gulf, nearby beaches, island destinations & some of Southwest Florida’s most renowned fishing grounds. The impressive waterfront setup features two boat lifts—10,000 lb & 7,000 lb—both equipped with GEM remotes, a boathouse with metal roof, composite dock with water & electric, plus a fish cleaning station. Inside, vaulted ceilings and abundant natural light enhance the open great room concept with a desirable split-bedroom floor plan. Expansive sliders extend the living space directly to the lanai, creating a seamless connection between indoors & out. The kitchen is the focal point of the home, showcasing a large island with waterfall-edge granite, granite countertops, tile backsplash, under-cabinet lighting, Bosch dishwasher, stainless steel appliances, abundant drawers & cabinetry, plus a pantry with convenient pull-out shelving. A separate beverage area in the dining room adds the perfect touch for entertaining. The spacious primary suite offers private lanai access through sliders, two walk-in closets and an en suite bath with dual sinks & a walk-in shower featuring multiple shower heads. Both guest bedrooms are generously sized and can accommodate king-size beds, while the guest bath conveniently doubles as a pool bath. Step outside to your private waterfront oasis featuring an electric & solar-heated pool with waterfall accent and a lanai spanning the full length of the home, including a generous under-truss area with plenty of room for dining, lounging & entertaining. Additional features include an in-residence laundry room with utility sink, 2-car garage with workbench, generator plug & transfer switch, new tile flooring throughout all main living areas with carpet in the bedrooms, accordion shutters throughout the entire home, and electric roll-down shutters protecting the lanai. Whether you're heading out for a day of fishing on Pine Island Sound, cruising to the Gulf, island hopping to nearby beaches or simply relaxing poolside, this home puts the best of the Southwest Florida boating lifestyle right outside your back door.

3795 Manatee Drive, St James City
$374,900
2 Beds ⋅ 2 Baths ⋅ 2026029221 MLS
PRICE IMPROVEMENT!! NOW 374,900! 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
$385,000
2026027243 MLS
Exceptional waterfront opportunity in the heart of St. James City! This canal-front homesite offers the perfect setting to build your custom island retreat among an area of beautiful upscale waterfront homes. This property previously featured a home that was impacted by Hurricane Ian and has since been removed, with fill dirt added, creating a blank canvas for your new elevated waterfront residence. A major advantage for buyers to possibly save thousands on impact fees thanks to the prior homesite, making your new construction even more affordable. The waterfront improvements are already in place, including a new 75-foot cement seawall installed in 2022, a private boat dock with captain's walk, a metal-roofed boat cover, and a hybrid 7,000# boat lift—providing an outstanding foundation for your future waterfront home. Boaters will love the quick direct Gulf access, allowing you to reach Pine Island Sound, Sanibel, Captiva, North Captiva, Cayo Costa, Boca Grande, waterfront restaurants, pristine beaches, and some of Southwest Florida's best fishing in minutes. Whether you're heading out for a day on the water, island hopping, shelling, dining by boat, or chasing trophy fish, this location puts it all within easy reach. Enjoy stunning sunsets, tropical surroundings, and the relaxed charm of St. James City. Best of all, you're just minutes from local restaurants, bars, marinas, and entertainment by golf cart, embracing the true island lifestyle that residents love. With no HOA fees and no deed restrictions, you'll enjoy the freedom and flexibility to create the waterfront lifestyle you've always wanted.

2469 Cherimoya Lane, St James City
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