$559,900

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.

2 Beds ⋅ 2 Baths ⋅ 2026025325 MLS

3608 Rita Lane, St James City

Listing Courtesy of Castaways Island Realty LLC

$2,750,000

RARE OPEN-BAY WATERFRONT ESTATE IN ST. JAMES CITY WITH DIRECT GULF ACCESS, NO BRIDGES & PANORAMIC SAN CARLOS BAY VIEWS! Positioned at the southern tip of Pine Island, this fully renovated luxury waterfront home offers deep-water boating access, incredible sunsets, expansive open-water views, and quick access to the Gulf of Mexico, Sanibel, Captiva, and surrounding islands. More than $400,000 in renovations have transformed the property into a luxurious, energy-efficient, move-in-ready retreat. Upgrades include a newer roof, spray-foam insulation, hurricane-impact windows and doors, whole-home generator, updated HVAC and ductwork, instant hot-water heaters, wide-plank tile flooring, and custom closets. Built for serious boaters, the property features a private dock with TWO BRAND-NEW BOAT LIFTS! 6,000-pound and 15,000-pound. Direct deep-water access with no bridges puts San Carlos Bay, the Gulf of Mexico, world-class fishing, boating, and island hopping just minutes from your backyard. Outdoor living is designed around the spectacular waterfront setting with a heated pool and spa, custom tiki hut, and fully equipped outdoor kitchen overlooking panoramic bay views and unforgettable Southwest Florida sunsets. Inside, the coastal-inspired kitchen features JennAir appliances, exotic granite countertops, and more than $250,000 in custom cabinetry. Expansive water views and sophisticated finishes create an inviting setting for everyday living and entertaining. Offered TURNKEY and tastefully furnished in a Tommy Bahama-inspired coastal style, with some exclusions, this home is ready to enjoy as a primary residence, seasonal retreat, or luxury waterfront getaway. An oversized four-car garage with epoxy flooring offers room for up to six vehicles plus generous storage for fishing gear, golf carts, paddleboards, kayaks, and water toys. Open San Carlos Bay views, direct no-bridge Gulf access, two new boat lifts, private dock, heated pool and spa, whole-home generator, hurricane-impact protection, luxury renovations, energy-efficient improvements, and turnkey furnishings combine to create a rare Pine Island waterfront property. Located in St. James City, this exceptional Southwest Florida waterfront home offers privacy, luxury, deep-water boating access, and true Old Florida island living. Schedule your private showing and experience one of St. James City’s most distinctive Gulf-access homes. Buyers considering Florida residency may also wish to explore potential future homestead and property-tax benefits. If Florida’s proposed property-tax amendment is approved by voters in November 2026, qualifying homeowners who establish Florida residency and homestead eligibility by December 31, 2026, may be eligible for additional property-tax benefits beginning in 2027. Buyers should independently verify eligibility with the appropriate property appraiser or tax professional.

3 Beds ⋅ 4 Baths ⋅ 2025021960 MLS

3807 San Carlos Drive, St James City

Listing Courtesy of KW Florida Living