St James City, Florida

It's a quiet, water-focused community on the south end of Pine Island that suits boaters, anglers, and anyone wanting an unhurried Old Florida pace. The housing is almost entirely single-family homes, and families are commonly zoned for Pine Island Elementary and Trafalgar Middle School.

The median list price is $622,450, and prices run from $419,000 up to $2,390,000, so there's meaningful range. Waterfront and pool homes pull the average toward $433 per square foot, but you can still browse by price in the lower $400,000s.

Active listings sit at a median of $622,450 across a median home size of about 1,794 square feet. Over the past 12 months, the 6 homes that sold closed at a median of $552,000, so recent sales have landed below current asking prices.

It's a small, slow-moving market with just 12 active listings and a median of 109 days on market. Sellers are getting about 95% of asking on average, which leaves negotiating room — keep an eye on homes with water views as they come up.

Most homes here don't carry an HOA, which fits the independent, canal-front character of the area. The median property tax runs about $6,194 per year, and if you're weighing a rental instead, the median rent is around $5,300 per month.