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3656 Emerald Avenue

St James City, FL, 33956

Active

$1,155,000

3

Bedrooms

2

Bathrooms

1,964 sqft

Living Area

2015

Year Built

175

Days on Market

Dock Score™

DockOnly
83
Excellent

What shaped this score

Gulf Access (nav-verified)
Dock with boat lift for up to 30ft
Fits boats up to ~85ft (est.)
Bridge-free to ocean
Est. waterfront~90 ft

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

CanalAccessSeawall📝 14K-lb boat lift

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall Detected~64-86 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Open WaterDockOnly

This dock fronts open water — a bay, harbor or marina basin rather than a canal.

There is no across-the-canal bank here, so no canal width applies and boat length is not limited by room to turn around. Check depth, beam and slip dimensions with the listing agent.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

Highlights: Over 100 feet of brand-new composite dock & pilings • Dual 14,000 lb boat lifts • Fully furnished, turnkey • Never flooded • Expansive outdoor entertaining area • Quick Gulf access Welcome to your island escape at 3656 Emerald Ave in the heart of St. James City on beautiful Pine Island—where the pace slows down, the sunsets feel a little brighter, and life revolves around the water. From the moment you arrive, you’ll feel the easy rhythm of true island living. This waterfront retreat is designed to enjoy the coastal lifestyle to its fullest, whether you're heading out for an early-morning fishing trip or gathering with friends as the sky turns shades of orange and pink over the water. Step outside and you’ll discover what truly makes this property special, with over 100 feet of brand-new composite dock stretching along the waterfront, complete with two new 14,000lb boat lifts so your boats are always ready for adventure. With quick access to some of Southwest Florida’s most incredible fishing and boating waters, days spent exploring the surrounding islands, sandbars, and the open waters of the nearby Gulf are simply part of everyday life here. The expansive outdoor entertaining area poolside invites you to relax, grill fresh-caught fish, host sunset cocktails, or simply unwind while watching boats drift by. It’s the kind of space where memories are made—barefoot evenings, salty breezes, and laughter carrying across the water. Inside, the home is being sold fully furnished, allowing you to step right into the island lifestyle from day one. Light-filled living spaces create a welcoming atmosphere that feels both comfortable and coastal, making it the perfect retreat after a day on the water. Featuring an open floor plan with 2 bedrooms with pool access and a third bedroom for all of your guests. The master ensuite bathroom has a deep soaking tub, large walk-in shower, dual sinks, and dual walk-in closets for the perfect coastal retreat. The second bath has pool access, making it easy to transition from boating and the pool to being ready for all that Saint James City has to offer. For added peace of mind, the home has never flooded, offering confidence along with its incredible waterfront setting. Tucked into the charming community of St. James City, you’re just moments from local marinas, waterfront restaurants, and the laid-back island culture that makes Pine Island so beloved. Here, neighbors wave as they pass by the boat, fishing stories are traded at sunset, and every day feels a little like vacation. If you’ve been dreaming of a place where boating, fishing, and waterfront living come naturally, 3656 Emerald Ave is more than a home; it’s your gateway to island life.

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Location

St James City, FL, 33956

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of Castaways Island Realty LLC via Florida Gulf Coast MLS

Last checked: 4 hours ago

Listing updated: September 4, 2026

© 2026 Florida Gulf Coast Association of REALTORS®, Inc. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Florida Gulf Coast Association of REALTORS®. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

FEMA Flood Zone AE
BFE: 8ft

Special Flood Hazard Area

View FEMA Flood Map →
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$231,000 down

%
Principal & Interest$5,993/mo
Property Tax (est. ~1.2%, varies by county)$1,155/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$7,398
Loan Amount: $924,000Rate: 6.75%
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$1,155,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.