Homes for Sale Under $300K in St James City, FL
This page tracks every St James City listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
20 homes listed under $300,000 are for sale or pending in St James City, FL today across 7 communities. The median asking price is $166,500, from $99,000 to $299,999. Listings in St James City without that feature have a median of $450,000. Most listings right now: Pine Island Cove (9), Flamingo Bay (4), Trailerhaven (2). Updated September 11, 2026 from the MLS.
St James City homes under $300K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Homes Under $300K | New build | Median list | From |
|---|---|---|---|---|
| Pine Island Cove | 9 | 1 | $155,000 | $109,900 |
| Flamingo Bay | 4 | 0 | $148,950 | $99,000 |
| Trailerhaven | 2 | 0 | $249,499 | $199,000 |
| Cherry Estates | 2 | 0 | $229,450 | $169,000 |
| Fishermans Wharf Condo | 1 | 0 | $275,900 | $275,900 |
| Buccaneer Inn Condo | 1 | 0 | $200,000 | $200,000 |
| Pine Island Center | 1 | 0 | $149,000 | $149,000 |
What under $300,000 buys and what to check
In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.
Questions to ask about any listing in this band
How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.
Common questions
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What do homes under $300K cost in St James City?
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Keep exploring St James City
Live data: Florida Gulf Coast MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in St James City, FL whose MLS record reports an asking price under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.