St. Joe Beach Homes under $400,000

St. Joe Beach Homes under $400,000

Welcome to St. Joe Beach, a hidden gem nestled along Florida's stunning Gulf Coast, just a stone's throw from the vibrant city of Port St. Joe in Franklin County. This charming subdivision offers a unique blend of serene coastal living and convenient access to local amenities, making it an ideal destination for families, retirees, and anyone seeking a relaxed lifestyle by the beach.

St. Joe Beach is characterized by its pristine sandy shores, crystal-clear waters, and a friendly community atmosphere. Residents enjoy a laid-back lifestyle, where morning walks along the beach and sunset picnics become part of the daily routine. With its picturesque surroundings and abundant outdoor activities, including fishing, kayaking, and hiking, St. Joe Beach is perfect for nature enthusiasts and beach lovers alike.

One of the most appealing aspects of this delightful subdivision is the availability of homes under $400,000. Whether you're searching for a cozy beach cottage, a modern family home, or a charming bungalow, St. Joe Beach offers a variety of options to suit different tastes and budgets. These affordable properties not only provide a perfect retreat from the hustle and bustle of city life but also present an excellent investment opportunity in a growing area.

With its stunning natural beauty, welcoming community, and affordable housing options, St. Joe Beach is more than just a place to live—it's a lifestyle waiting to be embraced. Come and discover the coastal charm of St. Joe Beach, where your dream home awaits!

Newest St. Joe Beach Homes under $400,000

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
632 Gulf Aire Dr, Port St. Joe
$399,000
3 Beds ⋅ 3 Baths ⋅ 329283 MLS
COASTAL LIVING IN GULF AIRE! Discover this beautifully renovated 3-bedroom, 3-bath end-unit townhome in the highly desirable Gulf Aire community of St. Joe Beach. Practically everything has been updated, creating a fresh, move-in-ready home just a short distance from the white sandy beaches of the Gulf of Mexico. The bright, open-concept living, dining and kitchen area features new flooring, fresh paint, white cabinetry and granite countertops. The kitchen also offers a custom pantry with white cabinetry for additional storage. Updated bathrooms feature white cabinetry and granite countertops, including a convenient Jack-and-Jill bathroom upstairs and a full bathroom downstairs. Washer and dryer are included. Additional features include a gas fireplace, gas water heater, private patio, balcony and an attached garage with automatic opener and newly finished epoxy floor. As an end unit, the home offers added privacy and a desirable location within the community. Gulf Aire is a golf cart and pet-friendly community offering an impressive array of amenities, including a community swimming pool, tennis/pickleball court and two private dedicated beach access points—all with an affordable annual HOA fee of approximately $320. Enjoy the relaxed St. Joe Beach lifestyle with local restaurants, shopping, boating, world-class fishing and nearby Port St. Joe and Mexico Beach just minutes away. Whether you're looking for a full-time residence, second home or weekend beach getaway, this extensively renovated townhome offers an excellent opportunity to own near the Gulf. Move-in ready and priced to sell!

632 Gulf Aire Dr, Port St. Joe
8201 Pelican Walk Ln, Port St. Joe
$329,000
2 Beds ⋅ 2 Baths ⋅ 328773 MLS
Motivated seller! Just 500 feet from the sugar white sands and sparkling waters of the Gulf, this charming single level beach cottage offers the perfect opportunity to enjoy coastal living without the maintenance of a larger home. With 2 bedrooms and 1.5 bathrooms, the efficient layout makes excellent use of space, creating a comfortable retreat for full time living, weekend getaways, or vacation rental potential. The kitchen features beautiful quartz countertops, adding a touch of style and durability to this inviting coastal home. Start your mornings with coffee on the screened porch, where you can enjoy the coastal breeze, and spend your days walking to the beach, soaking up the sun, or exploring all that the area has to offer such as the nearby convenience stores and local food truck courtyard. A new HVAC system installed in 2025 provides added comfort and peace of mind. Whether you're looking for an affordable beach escape, an investment property, or a low maintenance coastal residence, this home's unbeatable location and easy beach access make it a must see. Enjoy the relaxed beach lifestyle you've been dreaming of, just steps from one of Florida's most beautiful stretches of coastline.

8201 Pelican Walk Ln, Port St. Joe
466 Santa Anna St, Port St. Joe
$349,000
2 Beds ⋅ 2 Baths ⋅ 328731 MLS
Tucked into a quiet street in St. Joe Beach — just blocks from direct access to the pet-friendly Gulf — this 2022 manufactured home sits on roughly a third of an acre in the X flood zone, and comes loaded with the kind of outdoor infrastructure that makes coastal living genuinely convenient. A gravel driveway with brick edging leads to a large covered pole barn and a separate metal carport, offering ample covered parking for vehicles, a boat, or gear. A golf cart is included in the sale, making those beach runs even easier. The rear of the property is an entertainer's setup: a tiki-style pavilion with a metal roof, palm fringe trim, string lights, painted bar counters with concrete tops, and a mini fridge. The fully fenced yard features mature landscaping and garden beds, and the green double-door outbuilding provides a dedicated workshop or flex space. An outdoor shower near the front handles the rinse-off after a beach day. The home itself features a screened porch and is move-in ready. Positioned between Windmark Beach and Mexico Beach, with Port St. Joe's waterfront dining, marina, and downtown just minutes away, this is Forgotten Coast living at an attainable price point. No HOA. Sold furnished.

466 Santa Anna St, Port St. Joe
338 Selma St, Port St. Joe
$315,000
2 Beds ⋅ 2 Baths ⋅ 328504 MLS
*Price Adjustment* Welcome to your perfect beach getaway in St. Joe Beach! This well-maintained 2-bedroom, 2-bath home, built in 2014, is located just a short walk from the sugar-white sands & sparkling waters of the Gulf. Whether you're looking for a primary residence, vacation home, or investment property, this charming coastal retreat offers endless possibilities. Inside, you'll find a desirable split-bedroom floor plan with an open-concept living area & kitchen complete with SS appliances. Pride of ownership is evident throughout, making this home truly move-in ready. Step outside & discover a backyard designed for coastal living & entertaining. The spacious fenced yard features a large covered & screened gathering area, perfect for relaxing after a day at the beach. The impressive foam-insulated outbuilding w/AC offers a versatile bonus space currently set up with sleeping accommodations for guests & a large arts-&-crafts area, making it ideal for hobbies, creative projects, a workshop, home office, or overflow guest space. A second storage shed provides additional room for beach gear, tools, & equipment. Additional outdoor amenities include an outdoor shower, RV hookups 30amp, & a commercial-grade stainless steel triple sink ideal for cleaning fish, entertaining, or outdoor projects. Situated on an oversized 75' x 182' lot (approx. .31 acres), in a X Flood Zone, the property offers plenty of room for boats, RVs, golf carts, & outdoor activities. St. Joe Beach is known for its pet friendly beaches, golf cart friendly community, breathtaking Gulf sunsets, & laid back coastal lifestyle. Enjoy world class fishing, beautiful beaches, local restaurants, & shopping, all within minutes of your doorstep. Conveniently located between Port St. Joe & Mexico Beach, this property places you in the heart of Florida's Forgotten Coast. This coastal gem offers the best of beach living. Don't miss your opportunity to own a slice of paradise in one of the Gulf Coast's most desirable communities.

338 Selma St, Port St. Joe
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