St James City Homes under $500,000

St James City Homes under $500,000

Welcome to St. James City, a hidden gem nestled in the heart of Lee County, Florida. This charming waterfront community is renowned for its laid-back lifestyle, stunning natural beauty, and a warm, welcoming atmosphere that makes it a perfect place to call home. Whether you’re looking for a peaceful retreat or an adventurous hub, St. James City offers a unique blend of both.

One of the most appealing aspects of this vibrant community is its diverse selection of homes available for under $500,000. Here, you can find a variety of properties that cater to different tastes and lifestyles. From cozy single-family homes to spacious condos with breathtaking views of the water, there’s something for everyone. Imagine waking up to the sound of gentle waves and enjoying your morning coffee on a sun-drenched porch, all while knowing you’ve made a smart investment in a thriving area.

St. James City is not only a paradise for nature lovers but also a haven for outdoor enthusiasts. With easy access to pristine beaches, fishing spots, and nature trails, residents can indulge in activities like kayaking, boating, and bird watching. The community's friendly vibe is complemented by local shops, delightful eateries, and a bustling marina, making it a perfect place for both relaxation and recreation.

If you’re ready to discover your dream home in St. James City, you’ll find that this enchanting area offers both affordability and an exceptional quality of life. Come explore the possibilities, and let the charm of St. James City welcome you home!

Newest St James City Homes under $500,000

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
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
3100 BOWSPRIT Lane, St James City
$360,000
2 Beds ⋅ 2 Baths ⋅ 225056603 MLS
Extra neat and clean mobile in Pine Island’s Cherry Estates. This has it all at an affordable price. This 2 bedroom / 2 bath has large, attractive living room with lots of windows looking out at the water. The kitchen features an island with cooktop for informal dining. The large bedrooms give you plenty of room for large beds and other furniture. There is a dock with boat lift and even an extra-large spa that you can actually swim in against a current. Big water access is close and deep. What else could you ask for? You can be living the desirable Pine Island life, boating, fishing, beaching, cruising or just relaxing. This is paradise!

3100 BOWSPRIT Lane, St James City
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