Mexico/St. Joe Beach Homes under $500,000

Mexico/St. Joe Beach Homes under $500,000

Welcome to St. Joe Beach, a hidden gem nestled along the picturesque Gulf Coast of Florida in Franklin County. This charming coastal community offers a perfect blend of laid-back beach living and vibrant local culture, making it an ideal destination for families, retirees, and anyone looking to escape the hustle and bustle of everyday life.

St. Joe Beach boasts stunning sandy shores and crystal-clear waters, inviting residents and visitors alike to enjoy sun-soaked days filled with swimming, fishing, and beachcombing. The area is known for its friendly atmosphere, where neighbors become friends and community events bring everyone together. With nearby parks and nature trails, outdoor enthusiasts will find plenty of opportunities to explore the natural beauty of the region.

For those seeking a home in this idyllic locale, St. Joe Beach offers an impressive selection of properties priced under $500,000. Whether you’re looking for a cozy beach cottage, a modern condo with ocean views, or a charming single-family home, you’ll find a variety of options that cater to different tastes and lifestyles. These affordable homes make it possible to embrace the coastal lifestyle without breaking the bank.

In addition to its stunning scenery and welcoming community, St. Joe Beach is conveniently located near the vibrant town of Port St. Joe, where you can enjoy delightful dining, shopping, and entertainment options. With its combination of natural beauty, affordability, and a strong sense of community, St. Joe Beach is truly a slice of paradise waiting for you to call it home. Come explore the possibilities and discover why so many are drawn to this enchanting coastal haven!

Newest Mexico/St. Joe Beach Homes under $500,000

1302 Hwy 98 Unit 1k, Mexico Beach
$410,000
3 Beds ⋅ 2 Baths ⋅ 329647 MLS ⋅ Club At Mexico Beach 1k Forgotten Cove BLDG.
STEPS TO SAND!! Your Gulf views await at this 3 bedroom/2 bath condo at The Club at Mexico Beach with the beach right across the street. Start your morning with coffee on the covered deck, listening to the waves & taking in unobstructed Gulf views. When it's time to head to the water, beach access is about 100 steps away. Inside, the open kitchen, dining & living area brings everyone together for easy meals, conversation & downtime. The living area opens directly to the deck, so Gulf views remain part of the day whether you're relaxing indoors or dining outside. A split floor plan places two guest bedrooms on one side of the condo, giving family & friends room to settle in. The spacious primary bedroom is a private retreat with beach views, direct access to the covered deck & a large bath with a soaking tub. The first-floor location & community elevator add convenience when arriving with luggage or returning from the beach. The Club offers more ways to enjoy time outdoors, including a community pool, hot tub, poolside seating & dining areas, charcoal grill & outdoor showers for rinsing off after the beach. Spend the afternoon by the pool, walk across the street for a sunset on the sand or head out to explore Mexico Beach's local shops & seafood restaurants. The Mexico Beach boat ramp is approximately two miles away, putting a day on the water within easy reach. With Gulf views from the deck, a practical three-bedroom layout & beach access so close to home, Unit 1K makes coastal living feel wonderfully simple. Call for your private tour & LIVE THE BEACH LIFE!

1302 Hwy 98 Unit 1k, Mexico Beach
248 Sea Tern Ln, Port St. Joe
$399,000
3 Beds ⋅ 3 Baths ⋅ 329643 MLS
THE ONLY TOWNHOME CURRENTLY FOR SALE IN WINDMARK BEACH WITH DIRECT GULF VIEWS! Welcome to 248 Sea Tern Lane, a turnkey 3BR/2.5BA Sabal Townhome offering rare Gulf views in the highly sought-after WindMark Beach community. Ideal as a second home, vacation getaway, or rental property, this home is available furnished, allowing you to start enjoying or renting immediately. The open-concept interior features EVP flooring, quartz countertops, white cabinetry with brushed-nickel hardware, stainless-steel appliances, and abundant natural light. Additional features include a 1-car garage, Low-E insulated windows, energy-efficient HVAC, water-saving fixtures, SkyBell doorbell, Honeywell thermostat, DEAKO Smart Switches, and Safe Haven surveillance system. Enjoy the WindMark Beach lifestyle with Gulf/beach access, community pools, Town Center, boardwalks, dining, shopping, and outdoor spaces all within the community. Located approximately 6 miles from downtown Port St. Joe, 21.7 miles from Tyndall AFB, and 39 miles from Panama City Beach. A rare combination of Gulf views, turnkey furnished potential, resort-style amenities, and beach access makes 248 Sea Tern Lane a unique opportunity on Florida's Forgotten Coast. Whether you're looking for your own coastal retreat or a ready-to-enjoy rental property, this home is positioned to deliver the WindMark Beach lifestyle from day one.

248 Sea Tern Ln, Port St. Joe
1302 Hwy 98 Unit 2q, Mexico Beach
$420,000
3 Beds ⋅ 2 Baths ⋅ 329629 MLS
Looking for a smart investment, a weekend escape or the full time coastal lifestyle? Welcome to "The Club at Mexico Beach", where simplicity meets Gulf Coast Charm. Location truly sets this property apart. Walkable living with boutiques, coffee shop, local seafood, restaurants and marina access. The complex has dedicated beach walking path so you are steps away from pristine white sands and the Old-Florida feel of uncrowded beaches. Close proximity to Tyndall Air Force Base and Port St Joe. Mexico Beach is thriving with new restaurants and a local owned grocery store set to be completed in 2026. Fully furnished condo offers bright coastal design, an open living area, modern finishes and a private balcony with Gulf Views. Primary bedroom has balcony access. Primary bath has dual vanities, separate shower, soaking tub and large walk in closet. Kitchen has breakfast bar, newer dishwasher and refrigerator. Owners lock-out closet. Turn-key ready for comfort, convenience and coastal inspiration. Step out the front door and overlook the tranquil community pool. Looking to add to your investment portfolio? Rental income potential in a market where STR are in high demand, year round, for people seeking a casual and authentic beach experience with the small town feel. Seller offers buyer a $5,000 decor allowance, payable at closing.

1302 Hwy 98 Unit 2q, Mexico Beach
409 Florida Ave, Mexico Beach
$429,000
3 Beds ⋅ 2 Baths ⋅ 329582 MLS
BEACH RETREAT!! Feel the Gulf breeze & embrace the laid-back Mexico Beach lifestyle at 409 Florida Ave! Located just a couple of blocks from the sugar-white sand & beautiful Gulf waters, this furnished 3 bedroom/2 bath beach house offers the perfect combination of coastal comfort, convenience & easy living. Whether you're searching for a full-time residence, weekend getaway or investment property, this inviting home puts you close to everything that makes Mexico Beach such a special place. The property is situated in the coveted X Flood Zone, meaning flood insurance is not required and a great savings. Step inside to a bright, welcoming interior filled with thoughtful details that give the home warmth & character. An entry foyer welcomes you inside, while crown molding, built-in bookcases & comfortable furnishings create a relaxed coastal atmosphere. The thoughtful floor plan provides plenty of room for family & guests while maintaining comfortable spaces to gather, unwind & enjoy time together. The home is being offered furnished, including a fully stocked kitchen, making it easy to begin enjoying your beach retreat from day one. Outdoor living is where this property really shines. The easy-care yard features manicured spaces designed for enjoying Florida's sunshine without spending every weekend on yardwork. Gather with friends around the outdoor bar, catch the game on the outdoor TV, grill the day's fresh catch or simply find a comfortable spot to relax after a day at the beach. There's plenty of room for casual coastal entertaining, morning coffee in the fresh air or evenings spent under the stars. With the beach just minutes away, mornings can begin with a walk along the shoreline & afternoons can be spent swimming, shelling, paddleboarding or simply relaxing with your toes in the sugar-white sand. When evening arrives, gather with family & friends for a sunset stroll or beach bonfire before heading home to your own private retreat. Fishing enthusiasts will appreciate the endless opportunities to enjoy the Gulf waters, whether casting a line from shore or heading out for a day on the water. The location also puts you near local restaurants, community events, live music, fishing tournaments & the relaxed small-town atmosphere that continues to make Mexico Beach such a special coastal destination. Grab fresh local seafood, spend the day exploring the surrounding area or simply settle into the slower pace of beach-town living. Comfortable, furnished & wonderfully located, 409 Florida Ave offers an exciting opportunity to enjoy Mexico Beach as a primary residence, personal coastal escape or investment property. With its desirable X Flood Zone location, inviting interior, entertaining-friendly outdoor spaces & close proximity to the Gulf, this beach house is ready for its next chapter. Imagine mornings by the water, sunny afternoons at the beach & evenings spent making memories with the people you love most. Call for your private tour!

409 Florida Ave, Mexico Beach
412 Arizona Dr, Mexico Beach
$475,000
3 Beds ⋅ 2 Baths ⋅ 329541 MLS
Welcome to 412 Arizona Dr, a 3BR/2BA octagonal home sitting on a quarter-acre lot in Mexico Beach, just an eight-minute walk from the white sand, in FLOOD ZONE X, where no flood insurance is required. Built in 2006 on a slab foundation with vinyl siding and a shingle roof, the home was remodeled after Hurricane Michael, with a new roof, a new HVAC unit in 2022, impact windows throughout, copper plumbing water lines, and fresh paint inside and out in 2023, so the big-ticket items and the insurance concerns are already handled. Entering the home, you will notice the custom hardwood, solid wood doors, and recessed lighting that carry through the entire house, along with the octagonal design that opens the living space up in a way a standard home cannot. The living room stretches a full 31 feet with a gas fireplace anchoring the room, and the dining room sits just off of it behind a set of French doors. The home offers the option of two master bedrooms, both with walk-in closets, giving you flexibility for guests, a home office, or a rental setup, and a separate laundry room with large closets keeps the storage problem solved. Upstairs is a 300-square-foot loft, perfect for a bunk area, a playroom, or a quiet place to work. Outside, the finished 624sqft two car garage and the 20x40 driveway handle six vehicles, with additional open parking for a golf cart, and the 200-square-foot screened back patio overlooks a fenced yard landscaped with palms. There is no HOA, and short-term rentals are allowed. Call today for a showing!

412 Arizona Dr, Mexico Beach
105 White Blossom Trl, Port St. Joe
$499,999
3 Beds ⋅ 2 Baths ⋅ 329295 MLS
SUNSHINE STARTS HERE!! Coastal comfort awaits at this beautifully maintained Florida ranch home tucked into Magnolia Bluff. Situated on a high dry homesite in the "X" flood zone. This single-level living with spacious open floor plan creates a timeless coastal feel where you can entertain or simply unwind after a day at the beach. An easy flow between main living spaces makes everyday living comfortable while offering flexibility for hosting family & friends. The split-bedroom floor plan provides added privacy, making the home equally well suited for full-time living, a retirement retreat or a special coastal getaway. One of the home's most inviting features is the long covered & screened porch, the perfect spot to start your morning with coffee, enjoy an afternoon breeze or settle in for a quiet evening outdoors. With protection from the elements & plenty of room for comfortable seating, this outdoor living area feels like a natural extension of the home. Beyond the porch, the spacious quarter-acre yard offers room to garden, entertain, play or simply enjoy the laid-back Florida lifestyle. Magnolia Bluff is an established residential community in the St. Joe Beach area, where short-term rentals are not permitted, helping preserve the peaceful neighborhood atmosphere residents appreciate. Nearby homes in the community are also marketed for convenient access to St. Joe Beach & the area's golf-cart-friendly coastal lifestyle. Spend your days soaking up the sunshine, strolling the shoreline, fishing, kayaking or exploring the natural beauty of Florida's Forgotten Coast. When you're ready for a night out, shopping, dining & everyday conveniences in Port St. Joe are just a short drive away, while nearby Mexico Beach offers even more opportunities for waterfront dining, boating & beachside fun. Whether you're searching for a primary residence, peaceful retirement home or personal beach getaway, this charming Florida ranch delivers the ideal combination of quality construction, comfortable living, outdoor space & an exceptional coastal location without the constant turnover of vacation rentals. Come experience the quieter side of beach living & discover why St. Joe Beach continues to be such a special place to call home. Call for your private tour & LIVE THE BEACH LIFE!

105 White Blossom Trl, Port St. Joe
9425 Starfish Ave, Port St. Joe
$349,900
2 Beds ⋅ 2 Baths ⋅ 329504 MLS
Welcome to 9425 Starfish Ave- A great home in a great neighborhood. Come see this BRAND NEW 2BR 1.5BA home, situated on a quiet street within 1/4 of a mile from the nearest beach access. Featuring quartz countertops, tile showers, and Resolve Rigid Core LVP flooring, the builder went above and beyond, beating out the competition's finishes. Walking into the house, you will be greeted by the open living room that flows right into the kitchen, featuring 9-foot ceilings and plenty of windows, allowing for lots of natural light. The kitchen is a standout with soft-close shaker cabinetry, sleek quartz countertops, an oversized island, and stainless steel appliances—ideal for both everyday meals and entertaining. With a primary suite big enough for a King-sized bed, and a guest bedroom big enough for a queen-size bed, the builder utilized every square foot of this house. Making your way to the full bathroom, you will see the walk-in tile shower and dual vanities, with access to both bedrooms. Enjoy outdoor living with a covered back porch and a private, fenced backyard that's ideal for relaxing or hosting. Modern amenities, energy-efficient features, and thoughtful craftsmanship make this home a must-see! This is the lowest-priced detached single-family home in the Mexico Beach/Beacon Hill/St Joseph Beach area, and with the incentives being offered with the preferred lender, we can get your cost-to-own down significantly! Call today for more information!

9425 Starfish Ave, Port St. Joe
220 N Canal Dr, Port St. Joe
$289,000
3 Beds ⋅ 2 Baths ⋅ 329465 MLS
Enjoy the best of coastal living in this three-bedroom, two-bath home with a bonus room, just minutes from the Intracoastal Waterway, a boat ramp, and white-sand beaches. Recent updates include new cabinets, quartz countertops, air conditioning, appliances, vanities, and more. The spacious back deck features a 15-foot swim spa and grilling area, perfect for entertaining. Set on nearly half an acre with Intracoastal marsh views, the property also offers a fenced backyard with mature pecan trees, a 50-amp RV hookup, a 12-by-20-foot shed, a fish-cleaning station, and a 24-by-20-foot detached carport—an excellent fit for anglers and boaters. With easy access to both saltwater and freshwater recreation, this home is one you won't want to miss. Call today for more information or to schedule a showing. X flood zone, no flood insurance required.

220 N Canal Dr, Port St. Joe
3606 Hwy 98, Unit 204, Mexico Beach
$480,000
2 Beds ⋅ 2 Baths ⋅ 329449 MLS
Your opportunity has arrived! Embrace the Florida lifestyle by owning a stunning, 2nd-story condo minutes from the beach. Kitchen and bathroom cabinetry, granite countertops, appliances, and carpet have been recently replaced. Dock your watercraft just steps away with a personal boat slip, #11, on the canal. The timing is great if you're looking for a short-term rental. This 2BR/2BA unit, with built-in bunkbeds, provides low maintenance ownership. The Tranquil Harbour condo is completely furnished and ready to be put on the market for bookings. Owners and guests will love the proximity to the pool, hot tub, fitness room, and grilling area.

3606 Hwy 98, Unit 204, Mexico Beach
3300 Hwy 98, Unit 109, Mexico Beach
$349,900
2 Beds ⋅ 2 Baths ⋅ 329439 MLS ⋅ Once Upon A Tide BLDG.
Positioned on the first floor of Waterside Village, this well-appointed 2-bedroom, 2-bath condo offers an appealing combination of coastal convenience, resort-style amenities, and proven income potential. The open living and dining area creates an inviting gathering space with direct access to the private balcony, providing an easy transition to outdoor living. Its location within the community is especially desirable—close to the dog-walking area and just a short stroll to the pool, yet tucked far enough away to enjoy peaceful mornings and relaxed evenings on the balcony. The community boasts one of Mexico Beach's most impressive pools, complete with a spillover spa/hot tub, creating a true vacation-resort atmosphere. Situated along the canal, Waterside Village also offers day-docking options, making it convenient for those looking to enjoy the area's exceptional boating and fishing opportunities. The spacious primary suite features a large en suite bath with double vanities and a generous walk-in closet, creating a comfortable private retreat. The second bedroom is designed with vacation guests in mind, offering two sets of bunk beds to maximize sleeping capacity and rental appeal. Thoughtfully furnished for guests, the condo also includes a beach wagon, pack-and-play, and high chair—practical extras that add convenience for families and help make this a turnkey vacation destination. Whether you're searching for a coastal getaway, an income-producing investment, or a combination of both, this Waterside Village condo offers a compelling opportunity in a highly desirable Mexico Beach setting.

3300 Hwy 98, Unit 109, Mexico Beach
9436 Starfish Ave, Port St. Joe
$399,900
3 Beds ⋅ 2 Baths ⋅ 329431 MLS
Welcome to 9436 Starfish Ave, a great home in a great neighborhood. Come see this BRAND NEW 3BR 2BR home, situated on a quiet street within 1/4 of a mile from the nearest beach access. Featuring quartz countertops, tile showers, and Resolve Rigid Core LVP flooring, the builder went above and beyond, beating out the competition's finishes. Walking into the house, you will be greeted by the open living room that flows right into the kitchen, featuring 9-foot ceilings and plenty of windows, allowing for lots of natural light. The kitchen is a standout with soft-close shaker cabinetry, sleek quartz countertops, an oversized island, and stainless steel appliances—ideal for both everyday meals and entertaining. Making your way to the primary suite, you will see the walk-in tile shower, dual vanities, and a closet with built-in wooden shelving. With two guest rooms big enough for a queen-size bed, the builder utilized every square foot of this house. Enjoy outdoor living with a covered back porch and a private, fenced backyard that's ideal for relaxing or hosting, along with a detached shed, big enough for a golf cart. Modern amenities, energy-efficient features, and thoughtful craftsmanship make this home a must-see! This is one of the few detached single-family homes in the Mexico Beach/Beacon Hill/St Joseph Beach area under $400k, and with the incentives being offered with the preferred lender, we can get your cost-to-own down significantly! Call today for more information!

9436 Starfish Ave, Port St. Joe
118 Gulf St, Port St. Joe
$365,000
3 Beds ⋅ 2 Baths ⋅ 329430 MLS
Just one block from the Gulf, this brick home is ready to be reimagined as a charming coastal cottage. Picture slow mornings, sandy afternoons, and sunset walks to the beach—all just steps from your front door. The home weathered Hurricane Michael and has since received an updated roof and electrical wiring. With the interior largely gutted and framed, much of the groundwork is in place for a buyer to customize the finishes and bring their beach-house vision to life. Offering two bedrooms, one bathroom, approximately 1,162 square feet, and a 0.195-acre lot, this property is filled with potential for a personal getaway, full-time coastal home, or investment opportunity. Bring your plans and creativity to make this St. Joe Beach property your own. Property is being sold as-is. DO NOT ENTER WITHOUT PERMISSION.

118 Gulf St, Port St. Joe
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