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 offers a unique blend of laid-back island living and stunning natural beauty, making it a perfect destination for those seeking a serene lifestyle by the water.

St. James City is renowned for its picturesque waterfront properties, many of which feature direct access to navigable waters. Imagine waking up to the gentle sound of waves lapping at your dock, with the opportunity to hop on your boat and explore the pristine waters of the Gulf of Mexico or the nearby barrier islands. Whether you're an avid fisherman, a boating enthusiast, or simply someone who enjoys the tranquility of waterfront living, St. James City has something special to offer.

The homes in this area reflect the charm of island life, with a variety of styles ranging from cozy cottages to luxurious waterfront estates. Each property is uniquely positioned to take full advantage of the breathtaking views and the warm Florida sunshine. Enjoy outdoor living spaces designed for entertaining, lush tropical landscaping, and the convenience of having your boat just steps away from your back door.

Beyond the beautiful homes, St. James City boasts a vibrant community filled with friendly neighbors, local shops, and delicious dining options. With its close-knit atmosphere and abundant recreational activities, this enchanting locale is not just a place to live—it's a lifestyle. Come discover the allure of St. James City and make your waterfront dream a reality!

Newest St James City Homes with Navigable Water Waterfront

$219,000
3 Beds ⋅ 2 Baths ⋅ 2026034238 MLS
Due to high interested the seller is asking for all offers to be submitted by 8/26/2026 by 12pm. A boaters dream: This home, located at the southern part of St. James City, on Pine Island, Florida, is just perfect for someone looking to create their outdoor adventure getaway. With a new metal roof, this home is perfect for the investor or future homeowner looking to rebuild and create the home of their dreams. With the Gulf of Mexico, boating to Sanibel, Captiva, and the gulf islands less than two miles away, access to restaurants and a vacation paradise awaits.

2727 Sanderling Court, 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 10 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
$270,000
2026032891 MLS
Build your dream waterfront home in one of St. James City's premier boating communities! This oversized Gulf access homesite offers deep, direct, no-bridge access to the Gulf, making it an ideal location for boaters and anglers alike. The property is already improved with a seawall, private dock, and a covered boat slip, providing an excellent head start on your waterfront lifestyle. The lot has been cleared and is ready for your vision, with plenty of room to design a custom home, pool, and outdoor entertaining area. An added bonus is the additional parcel across the street, perfect for extra parking, storage, or creating your own tropical garden retreat. Spend your days exploring Pine Island Sound, fishing the world-famous backwaters, or boating to Sanibel, Captiva, Cayo Costa, Boca Grande, and the Gulf of Mexico—all just minutes from your backyard. This is a rare opportunity to secure a ready-to-build waterfront lot in the heart of island living.

3606 Pinetree Drive, St James City
$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. Even more impressive—this home has never experienced flooding from any storm. 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 thruout 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, new stainless steel appliances (2025) & 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 new picture-window pool cage (2024) framing the waterfront views, a heated saltwater pool w/ sun shelf & water features, new pool pump (2024), 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, new AC (2025) & 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
$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
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