3900 Royal Palm DriveSt James City, FL 33956Price: $195,000

  • Price: $195,000
  • Est. Mortgage of $/month
  • 102 Days on Market
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$
%
$/month over payments
Federal 30-year interest rate: 6.51% last updated on May 21, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $195,000List Price
Located at 3900 Royal Palm Drive in St. James City, Florida, this residential canal front lot offers a combination of existing utilities, water access, and a setting oriented toward boating and outdoor use. The property is situated in Lee County on Pine Island within an established coastal community known for its network of saltwater canals leading to open water. The lot is improved with city water service, an existing septic system, and electrical power available on site. These utilities provide a foundation for future residential development, subject to local zoning, permitting, and building requirements. Access to the property is provided by a maintained residential road, allowing year-round entry. One of the defining features of this property is its location along one of the wider canals in St. James City. The canal is saltwater and supports boat traffic, fishing access, and water-based recreation. From the rear of the lot, the canal opens toward mangrove shoreline, offering a natural buffer between the property and surrounding waterways. The mangroves contribute to privacy while also serving as a natural coastal ecosystem. The saltwater canal provides direct access for boating activities, with routes connecting to Pine Island Sound and surrounding waters. This access supports recreational fishing and boating, consistent with local regulations and tidal conditions. The canal orientation allows for waterfront use directly from the property, making it suitable for boaters who value proximity to navigable water. The terrain of the lot is typical of coastal Pine Island properties, generally level and suitable for residential construction when properly prepared. Vegetation in the area reflects the coastal environment, with native plant life and nearby mangroves contributing to shoreline stability and habitat value. St. James City is located at the southern end of Pine Island and offers proximity to marinas, boat ramps, local dining, and essential services. The area is known for a slower-paced coastal setting with an emphasis on water access and outdoor recreation. The property is within driving distance of larger service centers while maintaining a distinct island character. This lot may appeal to buyers seeking a residential property with existing utilities and canal frontage in a coastal Florida community. Any future use, construction, or improvements should be verified with Lee County and local authorities to ensure compliance with zoning, building codes, and environmental regulations.

Property Details of 3900 Royal Palm Drive

Property Details

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Mortgage Calculator


$
$
%
Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 6.51% last updated on May 21, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.
Listed by Erik Flett of WHITETAIL PROPERTIES REAL ESTATE (217-285-9000)

Listings courtesy of StellarMLS as distributed by MLS GRID. Based on information submitted to the MLS GRID as of May 23, 2026 3:33 PM EDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers’ personal noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. The use of the MLS GRID Data may be subject to an end user license agreement.

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