St. George Island Homes under $400,000

St. George Island Homes under $400,000

Welcome to St. George Island, Florida, a hidden gem nestled in Franklin County along the stunning Gulf Coast. Known for its breathtaking natural beauty, this charming barrier island offers pristine beaches, lush landscapes, and a laid-back atmosphere that beckons visitors and residents alike. With its warm sunshine, crystal-clear waters, and abundant outdoor activities, St. George Island is the perfect place to unwind and embrace the coastal lifestyle.

What makes St. George Island even more appealing is the availability of charming homes under $400,000. Whether you’re a first-time homebuyer, looking for a vacation getaway, or seeking a peaceful retirement spot, this market offers a variety of options that cater to your needs. From cozy beach cottages to spacious family homes, you'll find properties that capture the essence of island living without breaking the bank. Imagine waking up to the soothing sounds of the ocean, enjoying morning strolls along the beach, and savoring the sunsets from your very own porch.

In addition to its affordable housing options, St. George Island boasts a vibrant community filled with friendly neighbors, local shops, and delicious seafood restaurants. Outdoor enthusiasts will relish the opportunities for fishing, kayaking, and birdwatching, while nature lovers can explore the nearby Apalachicola National Estuarine Research Reserve.

Whether you’re looking to invest in a piece of paradise or simply seeking a serene escape, St. George Island has something for everyone. Come discover the charm of this coastal haven and find your dream home today!

Newest St. George Island Homes under $400,000

316 W Pine Ave, St. George Island
$399,000
3 Beds ⋅ 3 Baths ⋅ 329202 MLS
RARE GROUND-LEVEL SGI FIXER-UPPER WITH SERIOUS POTENTIAL! Just two blocks from the heart of downtown St. George Island, this tucked-away island bungalow is the kind of opportunity that doesn't come around often. Walk, bike or golf cart to the beach, bay, restaurants, shops and all the fun of island life, then come home to your own private tropical oasis on a quiet road. This adorable fixer-upper is a blank slate just waiting for someone with vision. Think colorful coastal cottage, laid-back surf shack, charming vacation rental or your own little SGI escape. The unique loft adds instant character and possibility, while the lush yard gives the property that dreamy, hidden-away island feel you will love. There's even a side-yard shed for beach gear, bikes, fishing rods and all your island toys. The location is already here. The tropical setting is already here. The bungalow charm is already here. Now bring your ideas and turn this rare ground-level property into something unforgettable. Fix it. Flip it. Rent it. Love it. Opportunities this close to downtown, the bay & the beach are hard to find on St. George Island at this AFFORDABLE price!

316 W Pine Ave, St. George Island
1804 E Gulf Beach Dr Unit L-4, St. George Island
$394,900
1 Beds ⋅ 1 Baths ⋅ 328892 MLS
This unique and Beautiful BEACH VIEW Town home is Completely Remodeled and Renovated. Exterior: New ROOF 2025, Storage Units, railings, stairs, decking, balcony and some siding replaced. Stairs all re sealed in the front and back and all pilings have been resealed and are in good condition. Culligan water softener, TWO storage units and Pollywood furniture on the beach side deck. Interior: All new Porcelain tile throughout. New custom expanded stairway. All new kitchen cabinets, countertops, GE appliances, American Standard Cast Iron sink with separate Moen instant hot water water dispenser with water filter and new garbage disposal. Stunning bathroom featuring porcelain tile, ceiling and walls; New toilet; roll in shower and KOHLER FRENCH gold accessories/fixtures. The bedroom has a balcony, NEW full size GE washer and dryer and a coffee bar with a microwave. Fully furnished this town home is move in ready. Much of the art are creations by a local artist, Donna Frankland. All NEW windows and sliding door to the deck. The ONLY TOWN HOME in this Beach Community that has been FULLY CUSTOMIZED. Whether you are a discerning buyer looking for TOP QUALITY for yourself with no repairs needed or an investor wanting to offer renters this EXQUISITE vacation getaway with pools and the BEACH right out your door, this town home is what you want. Price Reduced!! BRING YOUR OFFERS! MUST SEE! https://youtu.be/ZfdUZzWS0bg

1804 E Gulf Beach Dr Unit L-4, St. George Island
1804 E Gulf Beach Dr Unit L-7, St. George Island
$399,000
1 Beds ⋅ 1 Baths ⋅ 328851 MLS ⋅ Ocean Mile L-7 BLDG.
Enjoy the best of island living in this beautifully maintained, fully furnished 1-bedroom, 1-bath townhome in the highly desirable Three Hundred Ocean Mile community on St. George Island. Perfectly situated poolside and just a short stroll from the sugar-white sand and Gulf waters, this turnkey property is ideal as a vacation getaway, full-time residence, or income-producing investment. Inside, you'll find cathedral ceilings, an open-concept floor plan, BRAND NEW hardwood flooring installed in March in the living room and bedroom, recessed lighting, a built-in bookcase, and a convenient breakfast bar. The spacious bedroom and beautifully updated bathroom featuring a tiled walk-in shower with glass doors create a relaxing coastal retreat. On the ground level, an oversized storage room offers exceptional functionality with a full-size washer and dryer, laundry sink, and plenty of space for bicycles, beach chairs, fishing gear, and all your island essentials. BRAND NEW HVAC has been installed. One of St. George Island's most sought-after rental communities, Three Hundred Ocean Mile offers private beach access, two community pools, picnic and grilling areas, beautifully landscaped grounds, and allows short-term rentals. HOA dues include cable, internet, sewer, trash, grounds maintenance, recreational facilities, and reserve funds. Seller has pre-paid the $228 per month HOA assessment fee through February 28, 2027! 2026 YTD rental income as of 07/08 is $30,063. Affordable opportunities to own on St. George Island are becoming increasingly rare. Don't miss your chance to own this low-maintenance, turnkey coastal escape!

1804 E Gulf Beach Dr Unit L-7, St. George Island
1804 E Gulf Beach Dr Unit K11, St. George Island
$389,000
1 Beds ⋅ 1 Baths ⋅ 323940 MLS ⋅ Gulls Just Want To Have Fun BLDG.
PROVEN RENTAL INCOME + GULF VIEWS! This updated 1BR/1BA townhome in the desirable Three Hundred Ocean Mile community generated approximately $23,300 in rental income from January through August—averaging nearly $3,000 per month during that period! With room to sleep up to 4 guests, Gulf and pool views, and easy beach access, this turnkey property offers an attractive opportunity for investors or buyers looking for their own coastal retreat. Perfectly positioned just steps from the community pool and boardwalk beach access, the location offers the features vacationers are looking for on St. George Island. The private bedroom and sleeper sofa provide comfortable accommodations for up to four guests. Recent improvements make this property truly move-in and rental ready, including a new AC unit, quartz kitchen countertops, new lower cabinets, updated appliances, fresh interior paint, updated furnishings, and a beautifully remodeled bathroom. A new roof provides additional value and peace of mind. Additional features include covered parking, established rental history, and the flexibility to enjoy the property personally while taking advantage of its rental potential. Whether you're searching for an income-producing investment, personal beach getaway, or a combination of both, this updated townhome offers Gulf views, desirable amenities, proven rental performance, and easy access to the beautiful beaches of St. George Island.

1804 E Gulf Beach Dr Unit K11, St. George Island
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