About This Home

This 2-bedroom, 2-bathroom single family at 3608 Rita Lane in Saint James City, FL is listed for $559,900 ($469 per sqft). Built in 1974, the home offers 1,194 sqft of living space on a 0.18 acres lot.

Key Features

  • Built in 1974
  • 0.18 acre lot
  • Waterfront

Property Details

1 story
2 full
1-car garage
1974

Amenities

WaterfrontViewA/CRV Parking
Listing Description

THE BOATER'S WATERFRONT HOME with the following HIGHLIGHTED FEATURES DIRECT GULF ACCESS - NO BRIDGES - BOAT LIFT - PERMITTED BOATHOUSE/SHED Block Construction | Metal Roof | Trex Dock | Garage | No HOA 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 sits in one of St. James City's most desirable boating neighborhoods and blends 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, the backyard has room 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 for durability and authentic Florida charm.

Recent improvements include a new air conditioner and water heater, so you can 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 set this property apart, including a one-car garage with excellent storage 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, so you can 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.

Monthly Cost Estimate

$2,994/mo

20% down · 6.5% · 30 years

Principal$405
Interest$2,426
Insurance$163

Estimates only. Actual payments may vary.

Location

3608 Rita Lane

Saint James City, FL 33956

BAYVIEW ACRES

Features & Amenities

Interior Features

BreakfastBarBedroomOnMainLevelFamilyDiningRoomKitchenIslandLivingDiningRoomWindowTreatments

Exterior Features

CourtyardPatioRoomForPoolStorage

Property Details

Flooring

TerrazzoTile

Construction

Block Concrete Stucco

Views

Water

Outdoor Features

PorchPatio

Parking

GarageDrivewayRV

Heating

CentralElectric (Heating)

Cooling

Ceiling Fan(s)Central AirElectric

Appliances

DryerDishwasherElectricCooktopIceMakerMicrowaveRefrigeratorRefrigeratorWithIceMakerWasher

Questions & Answers

This 2-bedroom, 2-bathroom single family at 3608 Rita Lane is listed at $559,900 ($469/sqft). The estimated monthly payment is $2,994 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1974, 0.18 acre lot, Waterfront. Interior Features: BreakfastBar, BedroomOnMainLevel, FamilyDiningRoom. Exterior Features: Courtyard, Patio, RoomForPool.

This property is listed by Staci Stevens.

SS

Staci Stevens

License 258027942

Agent at Castaways Island Realty LLC

Listed by Castaways Island Realty LLC · Broker phone: 239-282-0770 · View on Broker Site

MLS# 2026025325· Source: Florida Gulf Coast Multiple Listing Service, Inc.· 148 days on PropertySimple

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.

3608 Rita Lane, Saint James City, FL 33956

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