2880 Eighth Ave · St. James City, FL 33956

$339,000

2 bd · 1.0 ba · 1,000 sqft · SingleFamily public records · 12 Days on market

Built 1961 9,583 sqft lot Est $425k · 20% under

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Why this score? — see what drove the B+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.8/10.0
• Schools +4.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

Key facts

• New vanity
• Ceramic wall tile
• New kitchen cabinets

Tags

• WATERFRONT ON DEEP WATER
• REMODELED INSIDE AND OUTSIDE
• NEW KITCHEN CABINETS
• NEW VANITY
• CERAMIC WALL TILE
• RAIN HEAD AND HAND HELD SHOWER

Property features AI

Finance

• Other: Zoning: MH-1; Lot less than quarter acre; Approximately 60' waterfront frontage; Has a view
• Financial info: Pets allowed (dogs OK)

Exterior

• Parking: Attached garage; Driveway; 1 covered garage space
• Security: Smoke detector(s)
• Utilities: Public water; Septic tank sewer; Cable available
• Home design: Single-story; Faces south; Resale property
• Construction: Frame construction; Metal roof
• Exterior features: Room for pool; Canal access; Canal front; Mangrove waterfront

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Refrigerator
• Flooring: Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air; Ceiling fan(s)
• Interior features: Built-in features; Living/dining room; Pantry; Tub with shower; Walk-in closet(s); Single-hung windows with wood frames; Unfurnished
• Laundry & utility: Washer; Dryer; Laundry / utility room

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $339k.

Deal economics

• At list price, monthly cash flow is $1k ($15k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($5k rent vs $339k).
• Cap rate 12.1% vs local median 4.9% in St. James City — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Lee (suburban): math 47% / reading 50% proficiency, ranked #42 of 73 in FL (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 287 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 15,411 units permitted in Lee County in 2024 (4,686 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Lee County population projected at +44% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $95k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 11 sale attempts since 3y ago; this cycle's ask is 18224% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $339,000

Questions for the listing agent

1. Built in 1961 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
5. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
6. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.48% ✓
• Cap rate: 12.13%
• Cash-on-cash: 20.86%
• DSCR: 1.93
• GRM: 5.6

CMA / ARV

• ARV (on-the-fly): $425,000
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2320 Oleander St	0.74mi	2/1.0	1,007 (+1%)	3mo	$279,000	$277	62
3289 8th Ave	0.39mi	2/2.0	1,049 (+5%)	15mo	$305,000	$291	57
3232 Stabile Rd	0.69mi	2/2.0	1,056 (+6%)	12mo	$599,900	$568	44
2411 Oleander St	0.70mi	2/1.0	1,117 (+12%)	22mo	$475,000	$425	29

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.3%
• Equity multiple: 1.25×
• Total profit: $23,299
• Equity at exit: $50,546

10-year hold

• IRR: 15.7%
• Equity multiple: 2.28×
• Total profit: $121,897
• Equity at exit: $29,311

Cash invested: $94,920 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33956

• Home prices YoY: -16.3%
• Active inventory: 287
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $5,007 medium
• Mortgage (P&I): −$1,778
• Tax from tax record: −$387 /mo · $4,639/yr
• Insurance: −$141
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,051
• Net cashflow: $1,223

Break-even live

Break-even rent $3,458

Max offer price $339,000

Occupancy floor 71%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $84,750
• Closing costs: $10,170
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2744 Sanderling Ct Saint James City, FL	2.0	1.0	841	$5,300	$6.30	23d	1	0.21mi
2951 York Rd Saint James City, FL	2.0	2.0	1444	$5,500	$3.81	23d	1	0.70mi
3103 Harpoon Ln Saint James City, FL	2.0	2.0	1094	$3,000	$2.74	23d	1	0.93mi
3864 Royal Palm Dr Saint James City, FL	2.0	1.0	960	$1,650	$1.72	23d	1	0.97mi
3811 Emerald Ave Saint James City, FL	3.0	2.5	1500	$5,500	$3.67	23d	1	1.03mi

Listing history 50 events

1. 2026-06-18
   days on market $339,000 Active 12 DOM
2. 2026-06-17
   days on market $339,000 Active 11 DOM
3. 2026-06-16
   days on market $339,000 Active 10 DOM
4. 2026-06-15
   days on market $339,000 Active 9 DOM
5. 2026-06-13
   pricedays on market $339,000 Active 7 DOM
6. 2026-06-10
   days on market $349,000 Active 4 DOM
7. 2026-06-09
   days on market $349,000 Active 3 DOM
8. 2026-06-08
   days on market $349,000 Active 2 DOM
9. 2026-06-07
   days on marketlisting id $349,000 Active 1 DOM
10. 2026-06-02
    days on market $349,000 Active 131 DOM
11. 2026-06-01
    days on market $349,000 Active 130 DOM
12. 2026-06-01
    days on market $349,000 Active 129 DOM
13. 2026-05-25
    status Active

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

14. 2026-05-25
    status Active 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

15. 2026-05-22
    status Active 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

16. 2026-05-21
    status Pending

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

17. 2026-05-21
    status Pending 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

18. 2026-05-21
    status Pending 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

19. 2026-05-13
    historical $1,850
20. 2026-04-18
    listed $1,850
21. 2026-03-20
    price $349,000 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

22. 2026-03-20
    price $349,000

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

23. 2026-03-20
    price $349,000 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

24. 2026-03-09
    price $359,000

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

25. 2026-03-09
    price $359,000 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

26. 2026-03-09
    price $359,000 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

27. 2026-02-25
    price $369,000

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

28. 2026-02-25
    price $369,000 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

29. 2026-02-25
    price $369,000 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

30. 2026-02-09
    price $379,000

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

31. 2026-02-09
    price $379,000 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

32. 2026-02-09
    price $379,000 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

33. 2026-01-19
    listed $389,000 Active

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

34. 2026-01-19
    listed $389,000 Active 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

35. 2026-01-15
    listed $389,000 Active 1407-char remark

    Show marketing remark (1407 chars)

    Nestled on the sought-after south end of Pine Island in the heart of St. James City, this inviting 2-bedroom, 1-bath waterfront cottage captures the essence of laid-back island living with exceptional boating access. Set on an oversized lot along a wide, deep-water canal, the property offers direct Gulf access with no bridges, making it a dream for boaters and anglers eager to reach Matlacha Pass, the Intracoastal Waterway, and the sparkling waters of Southwest Florida. The backyard opens to serene basin and mangrove views, creating a tranquil backdrop for mornings on the dock and unforgettable sunset evenings. A private dock is complemented by a boat lift with an aluminum cradle and a newer fabric cover, adding both convenience and value for water enthusiasts. Inside, the home features a classic Florida cottage layout that feels warm and welcoming, offering the perfect opportunity to personalize, renovate, or expand to suit your vision. The expansive lot provides ample space for a pool, lush gardens, or enhanced outdoor living areas, allowing you to fully embrace the island lifestyle. With no HOA restrictions and a prime location just minutes from local marinas, dining, and charming island shops, this property delivers the rare combination of peaceful waterfront living, investment potential, and everyday enjoyment. This is your opportunity to own a true slice of Pine Island paradise.

36. 2025-12-15
    historical
37. 2025-12-15
    historical
38. 2025-08-20
    price $399,000
39. 2025-08-20
    price $399,000
40. 2025-08-20
    price $399,000
41. 2025-08-18
    price $415,000
42. 2025-08-18
    price $415,000
43. 2025-08-18
    price $415,000
44. 2025-07-29
    price $425,000
45. 2025-07-29
    price $425,000
46. 2025-07-29
    price $425,000
47. 2025-07-01
    listed $435,000 Active
48. 2025-07-01
    listed $435,000 Active
49. 2025-07-01
    listed $435,000 Active
50. 2023-04-28
    soldstatus $310,000 Closed

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $4,639 · $387/mo
• Projected year-2 tax: $4,639 · $387/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 27 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $60,084
• − Mortgage interest: −$18,989
• − Property taxes: −$4,639
• − Insurance: −$6,814
• − Repairs & maintenance: −$4,807
• − Management: −$4,807
• − Depreciation: −$9,862
• Taxable income: $10,166
• Est. tax owed @ 24.0%: −$2,440
• After-tax cash flow: $12,240/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Lee
• NCES district ID: 1201080
• Math proficiency: 47% ▼ -11.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $49,518
• Composite: 41.49/100
• National rank: #3458
• State rank: #42 of 73 in FL

Livability — St. James City

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. James City, FL
• Population (ZIP): 3,846

Population outlook (Lee County) Hauer SSP2

• Today (2025): 871,946 people
• By 2030: 955,468 · +9.6%
• By 2040: 1,113,587 · +27.7%
• By 2050: 1,256,891 · +44.1%
• By 2075: 1,560,270 · +78.9%
• By 2100: 1,726,848 · +98.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 3% Pacific Islander 2% Hispanic / Latino 1%
• Common ancestry: Romanian 6% Slovak 4% Iranian 3%
• Foreign-born: 5% · Canada
• Languages at home: 95% English-only · French/Haitian/Cajun 2% German/W. Germanic 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Lee

• 2024 margin: Strong R (+28.4) · D 35.5% · R 63.9%
• 2008→2024 swing: -18.0pp toward R · 2008: -10.4pp · 2024: -28.4pp
• All cycles: 2024: R+28.4 2020: R+19.2 2016: R+20.4 2012: R+16.6 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -58.47%
• Current HPI: 300.1416
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-99.5% since first listed

42 events — show timeline

• 2026-05-25 Relisted — MARMLS
• 2026-05-25 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-22 Relisted — FORTMLS
• 2026-05-21 Pending — MARMLS
• 2026-05-21 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-21 Pending — FORTMLS
• 2026-05-13 Rental Removed $1,850 FORTMLS
• 2026-04-18 Listed for Rent $1,850 FORTMLS
• 2026-03-20 Price Changed $349,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-20 Price Changed $349,000 MARMLS
• 2026-03-20 Price Changed $349,000 FORTMLS
• 2026-03-09 Price Changed $359,000 MARMLS
• 2026-03-09 Price Changed $359,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-09 Price Changed $359,000 FORTMLS
• 2026-02-25 Price Changed $369,000 MARMLS
• 2026-02-25 Price Changed $369,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-25 Price Changed $369,000 FORTMLS
• 2026-02-09 Price Changed $379,000 MARMLS
• 2026-02-09 Price Changed $379,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-09 Price Changed $379,000 FORTMLS
• 2026-01-19 Listed $389,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-19 Listed $389,000 MARMLS
• 2026-01-15 Listed $389,000 FORTMLS
• 2025-12-15 Listing Removed — MARMLS
• 2025-12-15 Listing Removed — FORTMLS
• 2025-08-20 Price Changed $399,000 MARMLS
• 2025-08-20 Price Changed $399,000 FORTMLS
• 2025-08-20 Price Changed $399,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-18 Price Changed $415,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-18 Price Changed $415,000 MARMLS
• 2025-08-18 Price Changed $415,000 FORTMLS
• 2025-07-29 Price Changed $425,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-29 Price Changed $425,000 MARMLS
• 2025-07-29 Price Changed $425,000 FORTMLS
• 2025-07-01 Listed $435,000 MARMLS
• 2025-07-01 Listed $435,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-01 Listed $435,000 FORTMLS
• 2023-04-28 Sold (Public Records) $310,000 Public Records
• 2023-04-28 Sold (MLS) $310,000 FORTMLS
• 2023-04-01 Pending — FORTMLS
• 2023-03-24 Price Changed $350,000 FORTMLS
• 2023-03-02 Listed $395,000 FORTMLS

Property tax history

+11.7%/yr

Latest (2025): $4,639 · +3.6% YoY. Source: county tax records.