Gulf-access boating lifestyle-without the waterfront price or insurance costs! Located in a sought-after St. James City boating community, this bright and breezy 3 bedroom, 2 bath home offers the island vibe buyers love while staying high and dry. Inside, enjoy a desirable split-bedroom floor plan, a spacious great room, and easy indoor-outdoor living with a screened lanai overlooking mature tropical landscaping-perfect for morning coffee, island breezes, and relaxed evenings. Set directly across from canalfront homes, this property delivers location and lifestyle without the added expense of living on the water. For just $150/year, buyers may voluntarily join the HOA and enjoy access to the private community boat ramp-launch your boat and reach the Gulf in approximately 5 minutes. Ideal for boating, fishing, and sunset cruising. Bonus opportunity: The adjacent vacant lot is owned by the sellers. While not currently on the market, buyers may inquire if interested in additional space or future flexibility. If you've been searching for an affordable way to enjoy Pine Island living, boating access, and island charm, this home checks all the boxes.