St James City Homes with Non-Gated Community Type

St James City Homes with Non-Gated Community Type

Welcome to St. James City, a hidden gem nestled on the picturesque Pine Island in Lee County, Florida. This charming community offers a unique blend of serene coastal living and vibrant local culture, making it an ideal destination for those seeking a tranquil yet engaging lifestyle.

St. James City is known for its stunning waterfront views, lush landscapes, and a laid-back atmosphere that invites residents to unwind and enjoy the natural beauty surrounding them. With its non-gated community vibe, you’ll find a welcoming neighborhood where friendly faces and a sense of camaraderie thrive. Here, you can embrace the true essence of Florida living, where fishing, boating, and exploring the great outdoors are just a part of daily life.

The homes in St. James City reflect the area’s relaxed charm, offering a variety of styles to suit every taste. From quaint cottages to spacious waterfront properties, there’s something for everyone. Many homes boast beautiful views of the water, allowing you to wake up to the soothing sounds of nature and the gentle lapping of waves. With no gated communities, residents enjoy easy access to local amenities, shops, and dining options, ensuring that everything you need is just a short stroll away.

Whether you’re looking for a seasonal retreat or a year-round residence, St. James City provides an idyllic backdrop for your next chapter. Experience the warmth of this welcoming community and discover the enchanting lifestyle that awaits you in this captivating corner of Florida. Come and explore the possibilities today!

Newest St James City Homes with Non-Gated Community Type

2963 Cussell Drive, St James City
$459,900
2 Beds ⋅ 2 Baths ⋅ 2026044002 MLS
Direct Gulf access, peaceful preserve views, and sunset evenings by the water—welcome to island living in St. Jude Harbors on laid-back Pine Island. Situated near the end of a dead-end road across from St. James Creek Preserve, this 2-bedroom, 2-bath concrete block home offers a waterfront retreat with no bridges to open water. A wide canal leads to Pine Island Sound and the Gulf, while two docks and an 8,000-lb aluminum boat lift installed in 2019 make it easy to enjoy boating and fishing. Inside, the split-bedroom layout provides privacy, and a Florida room adds space to relax or entertain. The kitchen and appliances were updated in 2023, along with bathroom vanities, interior paint, and trim. Additional improvements include a metal roof and added insulation in 2021, an engineered carport in 2021, and air conditioning in 2019. Enjoy low-maintenance landscaping, a waterfront pergola, and western rear exposure for taking in the sunset. Pilings and riprap reinforce the shoreline, and covered parking provides added convenience. Offered furnished with a strong seasonal rental history, this home is ready to become your island getaway or year-round waterfront retreat. Seller financing available to qualified buyers with attractive terms

2963 Cussell Drive, St James City
7205 Drum Drive, St James City
$156,000
2 Beds ⋅ 2 Baths ⋅ 2026042833 MLS
This newly renovated 2/2 home is located in Pine Island Cove 55+ community where you own your land, and the HOA is only $160.00 per month. This home has new roof 2023, mini-split a/c, cabinets, countertop and appliances, and floors. This community has a large, heated salt-water pool, spa, community boat ramp with Gulf Access, boat & RV storage, picnic area, dog run, fish cleaning station. Lot of activities for everyone with Pickleball, bocce and clubs. You are only a few minutes out to Pine Island sound & the gulf for the best fishing in SW Florida. You have access to Cayo Costa beach, Sanibel, Captiva and beautiful sun set.

7205 Drum Drive, St James City
2478 Baybreeze Street, St James City
$849,000
3 Beds ⋅ 2 Baths ⋅ 2026038923 MLS
Built in 2015, this waterfront pool home in St. James City offers the perfect combination of newer construction, thoughtful updates and the exceptional boating lifestyle Pine Island is known for. Even better, the home experienced no flooding during recent hurricanes, and current flood insurance is approximately $1,500 per year. Located on a canal offering a straight shot to the Intracoastal Waterway, the waterfront is ready for your boat with an 8,000-lb boat lift and composite captain’s walk dock. Head out for a morning of fishing, cruise Pine Island Sound or spend the day boating to the beaches and islands of Sanibel, Captiva, Cayo Costa and Fort Myers Beach. The home features impact windows and doors, a NEW ROOF in 2023 with upgraded 160-mph-rated shingles and additional roof vents, NEW HVAC in 2025 and a Generac/LCEC-installed generator smart connection. Inside, tile laid on the diagonal flows throughout the home, while tray ceilings add architectural detail to the great room and primary suite. Large sliders from the great room open to the screened lanai, seamlessly connecting the indoor and outdoor living spaces. The spacious kitchen is designed for gathering and entertaining with white cabinetry featuring crown molding and under-cabinet lighting, higher-end KitchenAid stainless steel appliances, a large granite island and generous pantry. A separate laundry room provides additional convenience, and an RO system supplies filtered drinking water. The primary suite offers a tray ceiling, private lanai access, two walk-in closets, separate his-and-hers vanities and a spacious walk-in shower with multiple shower heads. One guest bedroom also features direct lanai access, while the guest bath conveniently doubles as a pool bath. Outside, enjoy the screened lanai and private saltwater pool overlooking the waterfront. The pool received significant updates in 2024, including a new pool pump, saltwater system, color-changing light and upgraded plumbing and valves. The property also features fencing along with recently planted Royal Palms, fruit trees and ornamental trees that add to the Florida setting. From mornings spent fishing to afternoons island hopping and evenings relaxing poolside, this home is designed around the Southwest Florida lifestyle. With newer construction, extensive recent updates, impact protection, a saltwater pool, 8,000-lb boat lift, composite captain’s walk dock and a straight-shot canal to the Intracoastal Waterway, this St. James City home puts some of Southwest Florida’s best boating, fishing and beaches within easy reach.

2478 Baybreeze Street, St James City
4491 Pine Hill Court, St James City
$39,900
2026041847 MLS
BUILD ON PINE ISLAND WITHOUT STARTING FROM SQUARE ONE! This approximately .26-acre homesite on a quiet cul-de-sac in Pine Island Village comes with something most vacant lots simply don't: a boundary survey, environmental study and residential building plans already prepared for the property. The July 2024 environmental assessment found no wetlands or protected habitats on the parcel, and no evidence of protected-species activity requiring FWC or FWS permits was observed during the site inspection. The assessment concluded that wetland permitting would not be required prior to development. Even better, the included building plans give buyers a head start envisioning what can be created here. The plans depict an attractive Florida-style residence with 3 bedrooms, an open great room and kitchen, covered lanai, attached garage and pool concept. Buyers may use the plans as inspiration or explore adapting them to suit their needs, subject to applicable approvals and permitting. The irregularly shaped homesite contains approximately 11,238 square feet and enjoys a cul-de-sac location with paved public-road frontage. A completed boundary survey is available, taking another unknown out of the vacant-land buying process. Pine Island Village offers an established residential setting with a community pool and half basketball court, all with an affordable mandatory HOA currently reported at just $300 annually. The recorded restrictions provide for single-family residential use and require a minimum 1,200-square-foot residential structure, along with Architectural Control Committee review of plans and specifications. Located in St. James City on beautiful Pine Island, this is an opportunity to enjoy the laid-back Southwest Florida island lifestyle with boating, fishing, dining and the unique character that makes Pine Island so special. Why buy a vacant lot and then begin figuring everything out? Much of the preliminary homework has already been done here. Survey, environmental assessment, building plans and HOA documents are available for buyer review. Bring your builder and start exploring the possibilities at 4491 Pine Hill Court! NOTE: Building plans are provided as an existing resource and are not represented as currently permitted or approved for construction. Buyer should independently verify all building requirements, utilities, permitting, impact fees, HOA requirements and suitability for buyer's intended use.

4491 Pine Hill Court, St James City
4340 Turtle Trail Lane, St James City
$39,000
2026041554 MLS
Stop Dreaming. Start Building. Island Life Begins Here. Tucked away on Pine Island, this rare .34-acre homesite is more than land — it’s the launchpad to a lifestyle most only dream of. No stoplights. No stress. Just sunsets, salty breezes, and the promise of a life that moves at the pace of peace. 4340 Turtle Trail Lane offers space to build your island escape — with low HOA fees, refurbished pool access, and lower-cost flood insurance thanks to its ideal location outside coastal zones. This lot sits 14 1/2 feet above sea level! Imagine this: • Sipping coffee under swaying palms • Golf cart rides to the local VFW or tiki bar • Fresh fish. Friendly faces. • A neighborhood where the loudest noise is laughter over dinner Island lots like this don’t last. Claim your slice of paradise before someone else builds the life you’re dreaming of.

4340 Turtle Trail Lane, St James City
5029 Gulfgate Lane, St James City
$215,000
2 Beds ⋅ 2 Baths ⋅ 2026040907 MLS
Beautifully maintained home in a 55+ community. Immaculately kept and many updates includes but not limited to new asphalt shingle roof, new AC/heat, water heater, washer/dryer, 6 panel doors through out, whole house generator wired direct to panel, propane, key start and includes 2 100 gallon tanks, new range/oven, dishwasher and refrigerator. A must see private back yard with tiki hut for grilling. Private deck with fire pit. Sliders in both bedrooms to access back yard. Gated storage for your boats, RVs and any other toys. Private boat ramp with parking for your vehicle and trailer, water for cleaning it, canal is Gulf access. Front Florida room can be used for home office or extra sleeping area for guests. Back lanai has vinyl roll down windows over screens and the room has a free standing AC unit to keep it climate user friendly. Large closets and plenty of storage.

5029 Gulfgate Lane, St James City
3055 Harpoon Lane, St James City
$365,000
2 Beds ⋅ 2 Baths ⋅ 2026041400 MLS
Welcome to your new Island Home Paradise! This home shines with an oversized corner homesite, extra parking, gulf access canal with no bridges, boat lift, walk around trex deck with boat cover and so much more! It's just a short 5-7 minute boat ride to open waters with gulf access at Captiva Island and some of the best beaches and fishing around. You'll feel like you are on vacation every day in this coastal cottage themed showplace with wainscotting, shiplap and plantation shutters. You'll love the beautiful entry, vaulted ceilings, huge living room, dining room and great kitchen with white cabinets, quartz countertops, nautical backsplash, lots of cabinets, newer appliances, pantry, lighted glass front cabinet doors, etc. Both bathrooms are gorgeous, both bedrooms are huge and have oversized walk-in closets. Another great feature of this home is the amount of space between this home and the one next door. You won't feel crowded here at all. There is room for 3 cars under the carport and room for another 3 cars in the gravel next to the carport as well as plenty of room to park a boat trailer. The flooring is an easy care wood look luxury vinyl throughout, so no carpets. The living room has a built-in lighted wall unit to show off your personal treasures. The new metal roof was installed in June of 2026. The storage is amazing with a double closet off the entry, a hall linen closet, a kitchen pantry closet, a closet off the living room and a storage shed off the laundry room. The utility bills are also very low. This home is light, bright and has everything you need to make this your Island Paradise.

3055 Harpoon Lane, St James City
3631 Papaya Street, St James City
$35,000
2026040620 MLS
Build your dream home on beautiful Pine Island. This lot on a paved road offers the option to also purchase the adjacent lot for additional privacy. This lovely lot is close to boat ramps, restaurants and nature preserves. Enjoy the island life and all that Pine Island has to offer.

3631 Papaya Street, St James City
3615 Papaya Street, St James City
$35,000
2026040619 MLS
Partially cleared lot on paved road close to restaurants, boat ramps and nature preserves. Adjacent lot is also available for purchase offering the option for additional privacy.

3615 Papaya Street, St James City
2713 8th Avenue, St James City
$1,150,000
2 Beds ⋅ 3 Baths ⋅ 2026038908 MLS
Welcome to your private island retreat in the heart of St. James City, where your backyard opens to a true protected preserve alive with Southwest Florida wildlife. Watch manatees and dolphins, cast a line from your own waterfront, and enjoy birds and native wildlife in a peaceful natural setting that feels worlds away—yet offers exceptional boating access to everything Pine Island is known for. Set on an oversized lot, this distinctive home was designed for both everyday comfort and entertaining, offering two spacious primary suites, each with a private en suite, an open-concept great room with beautiful Brazilian Cherrywood floors and a striking Key Largo limestone fireplace, and walls of glass sliders that open to the expansive lanai and incredible preserve views beyond. At the heart of the home, the chef’s kitchen features custom wood cabinetry, quartz countertops, tile backsplash, GE Profile appliances and a generous center island, complemented by a separate wet bar perfect for entertaining. Step outside to your own tropical waterfront oasis featuring a sparkling pool with desirable southern exposure and a private tiki hut—the perfect place for cocktails, casual gatherings or simply relaxing while watching nature unfold along the preserve. Boaters will appreciate the boat lift and direct, deep-water Gulf access, putting Pine Island Sound and the renowned fishing, boating and beaches of Sanibel, Captiva, Cayo Costa and Fort Myers Beach within easy reach. One of the property’s standout features is the impressive 60' x 32' three-car garage with 10' ceilings, extended workshop area, air compressor with ceiling-mounted air reel and a convenient half bath that also serves the pool area. Additional features include RV parking with 50-amp service, impact windows and doors, Hardie Board siding, automated interior and exterior lighting, landscape lighting and a new roof in 2023. Even better, the assumable flood insurance is only $1,764 per year. Surrounded by protected natural beauty with incredible wildlife right outside your door, this is more than a waterfront home—it’s an opportunity to experience the boating, fishing, nature and laid-back island lifestyle that makes St. James City so special.

2713 8th Avenue, St James City
3913 Dewberry Lane, St James City
$300,000
2 Beds ⋅ 2 Baths ⋅ 2026040545 MLS
BOATER’S PARADISE! Welcome to this beautifully renovated waterfront home featuring approximately 50 feet of seawall on a wide, deep canal with NO fixed bridges, offering easy access for larger boats and even accommodating a sailboat. Enjoy convenient boating access to some of Southwest Florida’s most beautiful destinations, including Sanibel, Captiva, Cayo Costa, and North Captiva. This property has been fully renovated with a new roof, new electrical, new plumbing, new flooring, and beautifully tiled bathrooms. Both bathrooms feature showers, and the primary suite offers a spacious walk-in closet. With NO HOA, NO age restrictions, and NO rental restrictions, this property offers exceptional flexibility for both personal use and investment. Whether you’re looking for a waterfront getaway, full-time residence, or investment property, this home offers the perfect combination of boating access, modern updates, and freedom. PID 02-46-22-20-0000D-0310

3913 Dewberry Lane, St James City
3076 Bowsprit Lane, St James City
$369,900
2 Beds ⋅ 2 Baths ⋅ 2026038936 MLS
Welcome to easy island living in St. James Isles, formerly known as Cherry Estates, one of St. James City’s established waterfront communities. Built in 2024, this furnished 2-bedroom, 2-bath manufactured home offers newer construction, a move-in-ready interior and the waterfront lifestyle Pine Island is known for. Boaters will love the 10,000-lb covered boat lift, private dock with water and electric, seawall and wide canal offering quick, direct, deep-water Gulf access with no bridges. Within minutes by boat, you can be exploring the waters and famous beaches surrounding Sanibel, Captiva, Cayo Costa and Fort Myers Beach, along with some of Southwest Florida’s best fishing and boating destinations. Inside, the bright and open great room floor plan features an inviting living and dining area filled with natural light. The kitchen offers a spacious center island, stainless steel appliances and white raised-panel cabinetry with soft-close doors. Large sliding glass doors open to the spacious covered waterfront porch, extending the living space outdoors and creating the perfect place to dine, entertain or simply relax overlooking the canal. The primary suite features a walk-in closet, linen closet and private bath with dual sinks and a walk-in shower. The guest bedroom is conveniently located near the guest bath with a tub/shower combination, while the interior laundry room includes additional cabinetry for storage. Outside, low-maintenance rock landscaping makes upkeep easy, with parking for up to three vehicles and an extra-large storage shed offering plenty of space for fishing gear, boating equipment, tools and island toys. Just minutes away by car, the Pine Island Community Pool and Island Center recreation facilities offer a community pool, tennis courts and pickleball courts for even more ways to enjoy the island lifestyle. St. James City is also golf-cart friendly, making it easy to cruise to local restaurants, marinas and neighborhood gathering spots. Under house storage also available. Sold furnished and ready to enjoy, whether you're looking for a full-time residence, seasonal escape or waterfront getaway, this 2024 home makes it easy to start enjoying the Pine Island boating lifestyle from your own backyard. See attached inventory list in supplements.

3076 Bowsprit Lane, St James City
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