St. Joe Beach Homes under $1.25 million

St. Joe Beach Homes under $1.25 million

Welcome to St. Joe Beach, a hidden gem nestled along the stunning Gulf Coast of Florida in Franklin County. Just a stone's throw from the charming town of Port St. Joe, this picturesque subdivision offers a unique blend of coastal charm and laid-back living. With its pristine white sandy beaches and crystal-clear waters, St. Joe Beach is the perfect destination for those seeking a tranquil retreat or a vibrant community to call home.

The real estate market in St. Joe Beach is particularly enticing, especially for homebuyers looking for properties under $1.25 million. Here, you’ll find a delightful variety of homes that cater to diverse tastes and lifestyles. From cozy beach cottages to modern coastal retreats, there’s something for everyone. Many of these properties boast breathtaking views of the Gulf, spacious outdoor areas for entertaining, and easy access to the beach, making them ideal for both relaxation and recreation.

Living in St. Joe Beach means embracing a lifestyle filled with outdoor adventures, from fishing and boating to hiking in nearby state parks. The community is known for its friendly atmosphere and a strong sense of belonging, making it a wonderful place to raise a family or enjoy retirement.

Whether you’re searching for a vacation home or a permanent residence, St. Joe Beach offers an unparalleled opportunity to enjoy the best of Florida living without the hefty price tag. Discover your dream home today in this enchanting coastal paradise!

Newest St. Joe Beach Homes under $1.25 million

207 Stingray Ln, Port St. Joe
$699,900
3 Beds ⋅ 2 Baths ⋅ 329655 MLS
NOW OFFERED AT $699,900! One of the standout values in Sunset Village, this beautifully maintained 3-bedroom, 2-bath coastal home sits on an impressive 0.44-acre lot, offering a rare amount of outdoor space just minutes from Mexico Beach. With over 2,000 square feet of living space, this home was designed for comfortable everyday living and entertaining. A true highlight is the oversized screened-in patio, creating an incredible outdoor living area with plenty of room for relaxing, dining and watching TV while enjoying the coastal breeze. The welcoming covered front porch adds even more outdoor space and classic coastal charm. Inside, the open living area features a gas fireplace and flows into a spacious kitchen with a large island, breakfast bar, double pantry and abundant cabinetry. The split floor plan provides privacy, with the primary suite tucked away from the two additional bedrooms and guest bath. A separate library nook offers a quiet space for reading, working or relaxing. Outside, the large fenced backyard provides plenty of room to enjoy the property, and the attached two-car garage plus separate golf cart garage gives you exceptional storage for vehicles, beach gear and toys. Sunset Village offers a peaceful setting with a community pool and convenient access to the white-sand beaches, boating, dining and laid-back lifestyle of Mexico Beach and Port St. Joe. At the newly reduced price of $699,900, the combination of lot size, outdoor living space, square footage and location makes 207 Stingray Lane one you don't want to miss. Flood Ins-$984, Wind/Fire-$1865. Some dimensions obtained from the Gulf PA site please verify if important

207 Stingray Ln, Port St. Joe
6824 Hwy 98 W, Port St. Joe
$1,199,000
3 Beds ⋅ 1 Baths ⋅ 329603 MLS
Welcome to a rare waterfront opportunity along scenic W Hwy 98 in Port St. Joe. This coastal home offers the views, setting, and potential that make the Forgotten Coast such a special place to call home. Positioned with water directly across the road, the property provides an inviting backdrop for morning coffee, sunset watching, boating days, beach trips, and the relaxed coastal lifestyle buyers are searching for. The front portion of the home has been updated, offering a fresh and welcoming introduction, while the living areas and bedrooms present a meaningful opportunity for the next owner to bring their own vision to life. Whether you prefer a light coastal renovation, a modern waterfront retreat, or a personalized second-home escape, this property gives you a great foundation and the ability to add value over time. Its location makes it easy to enjoy everything the area has to offer—downtown Port St. Joe's restaurants, shops, marina, and events; the sugar-white beaches of Mexico Beach; and the natural beauty of Cape San Blas and St. Joseph Peninsula. Spend the day fishing, kayaking, boating, exploring nearby beaches, or simply enjoying the water views from home. Ideal for a primary residence, vacation home, or investment-minded buyer, this is a chance to secure waterfront property in one of the area's most desirable coastal corridors. With its strong location, water views, completed updates in the front of the home, and plenty of upside remaining, 6824 W Hwy 98 is ready for its next chapter. Schedule your private showing and come see the possibilities in person.

6824 Hwy 98 W, Port St. Joe
141 Ward St, Port St. Joe
$979,900
3 Beds ⋅ 4 Baths ⋅ 329549 MLS
Welcome to one of St. Joe Beach's most desirable locations—a spacious, custom-built 3 bedroom, 2 full and 2 half bath coastal home positioned at the beach end of the first block, practically Gulf-front and showcasing incredible water views. Elevated on pilings and designed with generous indoor and outdoor living spaces, this impressive home offers the size, setting, and potential buyers are searching for along the Forgotten Coast. The downstairs level features a second kitchen area, adding flexibility for entertaining and hosting guests, while one of the half bathrooms is already plumbed for the easy addition of a shower. Step onto the expansive front porch and take in breathtaking sunsets over the Gulf, or enjoy the large, fully fenced yard with ample space to add a private pool and create the ultimate coastal retreat. Its premier location and versatile layout make it equally appealing as a full-time residence, second home, or high-performing short-term rental investment. A neighboring 3-bedroom home with a private pool under boutique professional management is currently on pace to exceed $150k in gross rental income for 2026. Ask the listing agent for details. Whether you're searching for an unforgettable beach home or an income-producing STR asset with tremendous upside, this St. Joe Beach property presents an exceptional opportunity. Call today to schedule your private showing.

141 Ward St, Port St. Joe
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
229 Balboa St, Port St. Joe
$799,000
3 Beds ⋅ 3 Baths ⋅ 329518 MLS
Welcome to 229 Balboa Street, a newly renovated 3-bedroom, 2.5-bathroom home located just 800 feet from the Gulf in St Joe Beach. This property sits on a rare 1/2-acre double lot, offering an exceptional amount of space and privacy that is incredibly hard to find this close to the water. The backyard is a private oasis featuring a brand-new, heated and cooled gunite pool with custom pavers and a convenient outdoor shower. The home comes completely turnkey, sold with high-end furniture included. It has also operated as a highly successful short-term rental, generating over $80,000 in gross revenue this year alone. A massive highlight is the detached 1,000 sq ft garage. It is already plumbed for a bathroom, making it perfect for an Accessory Dwelling Unit (ADU), guest house, or excellent storage for vehicles and boats. Saint Joe Beach is a golf cart community, making it easy to cruise around the neighborhood and head straight to the beach. Additionally, the home sits in an X500 flood zone, meaning most lenders do not require flood insurance. Whether you are looking for a profitable investment property or a spacious beachside retreat, this home is ready for its next owner.

229 Balboa St, Port St. Joe
216 Gulf Aire Dr, Port St. Joe
$649,000
5 Beds ⋅ 3 Baths ⋅ 329438 MLS
PRIVATE DEEDED BEACH ACCESS, X FLOOD ZONE & ROOM FOR EVERYONE! Located in the desirable Gulf Aire community, this beautifully updated 5-bedroom, 3-bath home offers a versatile two-level floor plan with plenty of space for family & guests. Extensively renovated over the past several years, the home is a fresh & comfortable retreat that's ready to enjoy. LVP flooring throughout, modern fixtures, stainless steel appliances, granite countertops & custom cabinetry complement the bright, open interior. On the main level, an expansive living area with a vaulted ceiling flows naturally into the dining area & kitchen, creating an inviting setting for everyday living & entertaining. Abundant natural light & peek-a-boo Gulf views enhance the atmosphere, while a sitting area & office alcove provide flexible spaces for relaxing, reading or working from home. The main-level primary suite features a private sitting area, walk-in closet & conveniently located laundry area. The spacious ensuite bath includes a soaking tub, separate shower & double vanity. The ground level offers 4 additional bedrooms, 2 full baths, a separate exterior entrance, sitting/lounge area & second laundry area. This thoughtful layout provides excellent separation & privacy for family & guests, while laundry facilities on both levels add everyday convenience. The HVAC system also includes a dehumidifier for enhanced indoor comfort. Outdoor living is equally inviting with a screened porch & beautifully landscaped backyard. A crisp white PVC privacy fence surrounds the yard, with gated entrances on both sides of the home creating a secure space for children & pets. Extensive paver work & thoughtfully designed landscaping add curb appeal, function & welcoming spaces for outdoor gatherings. Gulf Aire is a golf-cart-friendly community featuring several hundred feet of private Gulf frontage reserved for residents & their guests. Walk your dog along the beach, gather around a beach bonfire or cruise throughout the neighborhood by golf cart. Residents also enjoy a community pool, tennis & pickleball courts—all supported by remarkably low HOA fees. With no short-term rentals permitted, Gulf Aire maintains the residential feel that makes this community so appealing for full-time residents & second-home owners alike. Perfectly situated between Mexico Beach & St. Joe Beach, Gulf Aire offers quick access to the City of Port St. Joe, along with nearby restaurants, shopping, fishing, boating & public boat ramps. With 5 bedrooms, an X flood zone location, private deeded beach access, flexible guest accommodations, a fenced & landscaped backyard & exceptional community amenities, this beautifully updated home is an outstanding choice for full-time living or a memorable beach retreat. Call today to schedule your private tour & LIVE THE BEACH LIFE!

216 Gulf Aire Dr, Port St. Joe
274 Magellan St, Port St. Joe
$649,000
3 Beds ⋅ 2 Baths ⋅ 329480 MLS
Just two blocks from the pet-friendly beaches, this stunning newer-construction home offers the perfect blend of coastal convenience, modern style, and thoughtful functionality. Featuring three spacious bedrooms and two beautifully appointed baths, the home welcomes you into an open living area that flows effortlessly into a contemporary kitchen designed with both entertaining and everyday living in mind. The kitchen offers abundant cabinetry and storage, a generous island with bar seating, elegant tile accents, a striking backsplash, pantry space, and a convenient under-counter microwave. The spacious primary suite provides a comfortable retreat with a generous walk-in closet, beautifully tiled walk-in shower, dual vanities, and a dedicated linen closet. Two additional bedrooms feature ample closets, while the large laundry room and generous hall storage provide plenty of practical space throughout the home. Outdoor living is equally inviting, with a covered back patio overlooking a paver grilling area that is ready for gatherings, morning coffee, or relaxed evenings by the coast. A natural gas line is already in place for the patio grill, making outdoor cooking especially convenient. The partially fenced yard also offers a pet-friendly touch. The oversized double garage provides considerably more room than a typical two-car garage and includes a utility sink for added convenience. Outside, the meticulously finished gravel driveway offers 30- and 50-amp RV connections, along with plenty of room for boat parking—an ideal setup for enjoying everything the coast and surrounding waterways have to offer. With its newer construction, spacious layout, abundant storage, oversized garage, RV accommodations, and unbeatable proximity to the beach, this home is exceptionally well suited for a full-time residence, coastal getaway, or investment opportunity.

274 Magellan St, Port St. Joe
211 Cortez St, Port St. Joe
$549,900
3 Beds ⋅ 2 Baths ⋅ 329479 MLS
Coastal living meets everyday comfort at 211 Cortez Street! This furnished 2020-built 3-bedroom, 2-bath home offers 1,680 square feet of inviting living space on a generous 75' x 150' lot, just a short walk from the water in St. Joe Beach. Whether you are looking for a full-time home, a laid-back coastal retreat, or an investment opportunity along the Forgotten Coast, this property delivers the space, flexibility, and location buyers want. Inside, the open-concept layout is designed for easy living and entertaining. The kitchen features a center island, pantry, recessed lighting, and gas range, flowing naturally into the main living area with a cozy gas fireplace. The home is being offered furnished, making it easy to begin enjoying the beach lifestyle right away. A tankless gas water heater, public utilities, and thoughtful finishes add comfort and convenience. Outside, enjoy a covered porch, sprinkler system, paved road access, and plenty of driveway parking for guests, boats, or beach gear. With no HOA, you have added flexibility and room to make the property your own. Conveniently positioned near the beaches, local dining, and all that Port St. Joe has to offer, 211 Cortez Street is a great opportunity to own a newer, move-in-ready home in one of the Forgotten Coast's most desirable beach communities.

211 Cortez St, Port St. Joe
8108 Americus Ave, Port St. Joe
$749,900
4 Beds ⋅ 2 Baths ⋅ 329447 MLS
Welcome to 8108 Americus Ave, a recently updated 3BR/2BA single-story home with an in-ground pool located in St. Joe Beach, recently voted the #1 Beach in the U.S. by Southern Living. Located just 1.5 blocks from the pet-friendly beaches, this home has undergone a significant transformation, with updates including fresh exterior and interior paint, new flooring throughout, and shiplap walls that give the interior a coastal feel. The master bathroom has been completely gutted with a brand-new walk-in shower, while the main living area still features the vaulted ceilings and wood-burning fireplace that make this home so inviting. The kitchen features granite countertops, a breakfast bar, and stainless steel appliances, and the primary suite — all on one story — offers a peek of the Gulf. Outside is where this property truly shines, with a pool surrounded by a patio and pergola, along with a back patio and gazebo that create the perfect entertaining space. The backyard fence has been removed along the Coquina Ave side, opening up the space for boat parking or additional vehicle storage, a huge plus for anyone with a boat or extra toys. With a 2-car garage, no HOA, no flood insurance required, and all of these updates already done, this home is truly move-in ready. Call today!

8108 Americus 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
155 Beach St, Port St. Joe
$499,000
3 Beds ⋅ 2 Baths ⋅ 329403 MLS
PRIVATE Deeded St. Joseph Bay beach access PRIVATE pool, fenced backyard No HOA. Located in St. Joseph Shores, this 3-bedroom, 2-bath Florida cottage and office/owner's closet, pairing a one-level floor plan with updated coastal interiors and outdoor living space. The open living, dining, and kitchen area features hard-surface flooring, white shaker-style cabinetry, solid-surface countertops, stainless appliances, dishwasher, a large breakfast bar, and a dedicated coffee station. The primary bedroom offers a vaulted ceiling, pool-facing windows, and sliding glass doors to the covered rear patio. Outdoor features include a private pool, paver pool deck, fenced backyard, covered patio, and front porch. Interior details include ceiling fans, window coverings, stacked washer/dryer laundry, tile bath surround, glass-enclosed shower, and low-maintenance flooring throughout. The St. Joseph Shores location places St. Joseph Bay beach access, Hwy 98, WindMark Beach, St. Joe Beach, downtown Port St. Joe, George Core Park, Cape San Blas Lighthouse, restaurants, coffee shops, bayfront parks, boat launches, kayaking, fishing, scalloping, and Gulf County beaches within easy reach. No HOA adds flexibility for coastal living, second-home use, or rental investment.

155 Beach St, Port St. Joe
221 Sting Ray Ln, Port St. Joe
$949,000
4 Beds ⋅ 4 Baths ⋅ 329341 MLS
Welcome to 221 Stingray Lane, a beautifully remodeled 4BR/3.5BA beach home offering roughly 3,280 square feet in the sought-after Sunset Village community. Originally built in 2018, this two-story residence has been added onto and completely renovated, with high-end finishes throughout. Entering the home, you'll instantly notice the wood floors, beamed ceilings, shiplap walls throughout, and plantation shutters, making you feel like you are in a Southern Living Home. The brand-new kitchen is a true showstopper, featuring high-end appliances including a gas range, soft-close cabinets, quartz countertops, a matching quartz backsplash, a large island with breakfast seating, a beverage cooler, and it flows right into the large dining room, which can seat 8, perfect for entertaining. The living room carries those same wood floors and shiplap walls, with the powder room and laundry room located right next to it. The ground-floor master suite is big enough for a sitting area, and has those same amazing wood floors, a large walk-in closet, and a tub & shower setup. This home stands out with TWO master suites; going upstairs, you'll find a second master with a private patio to catch the sunset, and a walk-in shower and large closet with built-in cabinets for storage. The two additional guest bedrooms upstairs are perfectly set up for bunk beds and share a Jack & Jill bathroom, ideal for the kids, that is located just off the upper open gathering deck, perfect for fall evenings. Out back, a natural marsh runs across the yard for added privacy, and a community pool just a short distance away lets you enjoy the water without the upkeep or headache. Located jsut a short golf cart ride to the beach access, this one checks all the boxes. Call today!

221 Sting Ray Ln, Port St. Joe
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