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197 Cape Pointe Dr #C1, Pt Saint Joe, FL, 32456

2beds
2baths
1,200sqft
$547,500
$456price/sqft
$3,419/moest. monthly cost
$136,760/yrincome needed

About This Home

Experience your own coastal paradise at The Club on Cape San Blas. This tastefully decorated residence boasts a large open floor plan with breathtaking views of the Gulf! Step on to your spacious covered private balcony to sip your morning coffee while watching a spectacular sunrise. The Club provides many amenities including; a heated swimming pool and jacuzzi, grilling area, boat/rv parking, an elevator and sheltered parking under the building. Residents enjoy private beach access via the community boardwalk. There is a separate private owners storage area on the ground floor. Just a short drive away are St. Joseph Peninsula State Park and Salinas Park, perfect for savoring both seaside and bayside wildlife. Take advantage of several nearby boat ramps for a day out on the water or acquire a beach permit to drive on the local beaches. You are conveniently located near downtown Port Saint Joe and Apalachicola for easy access to restaurants, shopping and entertainment. Call Today to schedule a showing!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

4/10
4/10
Port St. Joe High SchoolGrades 7-127.8 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2006

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: HardiPlank Type

Notable Dates

  • Major remodel year: 2020

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator w/Ice Maker
  • Laundry features: Washer/Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Kitchen Island,Pantry
  • Flooring: Tile

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 1,440
  • Total interior livable area: 1,200 sqft

Property

Details

  • Parcel number: 06288215R
  • Zoning description: Residential Multi-Family
  • Exclusions: Personal items,owner closet and outside storage items.

Features

  • Pool features: In Ground
  • Exterior features: Barbecue,Dumpster,Outdoor Shower,Balcony
  • Has water view: Yes
  • Water view: Gulf
  • On waterfront: Yes
  • Waterfront features: Gulf

Lot

  • Lot size: 1,306 sqft
  • Features: Landscaped
  • Lot size dimensions: 0.00

Parking

  • Total spaces: 1
  • Parking features: Assigned

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Inland Flooding
Strong Wind
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Gulf County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,768$33,216
Home Insurance *$240$2,880
Property Taxes $214$2,568
Electricity $197$2,366
Total$3,419$41,028
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$117,222/yr
40% on housing$102,570/yr
45% on housing$91,173/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 14.7%
14.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$456This listing

vs Other Active Listings

Avg $/sqft

ZIP 32456$380
Gulf County$303

vs Homes Sold Last Month

Median $/sqft

ZIP 32456
Gulf County$240

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-01Price change$547,500
2026-03-17Listed for sale$567,500
2024-01-12Listing removed$595,000
2023-10-11Listed for sale$595,000
2021-08-31Sold$475,000
2021-07-07Contingent$475,000
2021-07-05Listed for sale$475,000
2021-05-18Contingent$475,000
2021-05-16Listed for sale$475,000
2012-09-28Sold$265,000

For Sale by Agent

AgentMaria Ramsey
BrokerageRish Real Estate Group

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