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About This Home

This 3-bedroom, 0-bathroom single family at 2920 Harpoon Lane in Saint James City, FL is listed for $169,000 ($128 per sqft). Built in 1988, the home offers 1,322 sqft of living space on a 0.11 acres lot.

Agent Description

*OPPORTUNITY KNOCKS!*Welcome to a boater's paradise in St. James City! This prime waterfront property features an amazing location on intersecting canals with direct, unrestricted Gulf access and no bridges to slow you down. The deep-water setup comes complete with a concrete seawall (reinforced in April 2022) and a private dock equipped with a 10,000-lb boat lift (installed in 2022).

Situated in a highly desirable neighborhood with no 55+ age restrictions and an incredibly low HOA fee, this property represents a phenomenal redevelopment opportunity. Whether you choose to repair the existing structure or LIKELY clear the lot to BRING YOUR OWN perfect home, you are investing in an unmatchable island lifestyle.

> Located on the pristine waters of Pine Island, you are minutes away from world-class tarpon fishing, exceptional kayaking through serene mangrove trails, and endless opportunities to spot local wildlife like manatees and dolphins right from your backyard.

Off the water, enjoy championship golf courses just a short drive away, along with scenic island walking and biking trails. The property is being sold strictly AS-IS, with the home requiring repair or removal (pre-hurricane, the home featured a carport and an attached storage room). Bring your vision and your boat-your ultimate waterfront oasis awaits!

Key Features

  • Built in 1988
  • 0.11 acre lot
  • Waterfront

Property Details

1 story
1988

Amenities

WaterfrontViewA/C

Monthly Cost Estimate

$929/mo

20% down · 6.5% · 30 years

Principal$122
Interest$732
Insurance$49
HOA$25

Estimates only. Actual payments may vary.

Location

2920 Harpoon Lane

Saint James City, FL 33956

CHERRY ESTATES

Features & Amenities

Exterior Features

DeckPatio

Property Details

Construction

Manufactured

Views

Water

Pool Features

DeckPorchPatio

Parking

Assigned

Heating

Electric (Heating)Central

Cooling

ElectricCentral Air

Questions & Answers

This 3-bedroom, 0-bathroom single family at 2920 Harpoon Lane is listed at $169,000 ($128/sqft). The estimated monthly payment is $757 based on 20% down at 6.5% interest.

HOA fees are $25/month.

Key features include: Built in 1988, 0.11 acre lot, Waterfront. Exterior Features: Deck, Patio.

This property is listed by Sherry Ann Baum and can be reached at 2394562221 or sherrybaum@palmparadisegroup.com.

SB

Sherry Ann Baum

Agent at Palm Paradise Realty Group

(239) 456-2221

Listed by Palm Paradise Realty Group · View on Broker Site

MLS# 2026025792· Source: listhub· Updated 2 days ago

Copyright © 2026 Florida Gulf Coast Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

2920 Harpoon Lane, Saint James City, FL 33956

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