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151 Beach St, Port Saint Joe, FL, 32456

3beds
2baths
1,100sqft
$524,900
$477price/sqft
$3,571/moest. monthly cost
$142,840/yrincome needed

About This Home

PRIVATE Deeded St. Joseph Bay beach access PRIVATE pool, fenced yard & room for boat parking 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. Plenty of room to park your boat!

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

5/10
4/10
Port St. Joe High SchoolGrades 6-126.2 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1983

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: HardiPlank Type

Notable Dates

  • Major remodel year: 2020

Type & Style

  • Home type: SingleFamily
  • Architectural style: Florida Cottage
  • Property subType: Single Family Residence

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Bar
  • Window features: Window Treatments

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 1,420
  • Total interior livable area: 1,100 sqft

Master Bathroom

  • Features: Double Vanity

Master Bedroom

  • Features: Drapes

Property

Details

  • Parcel number: 04255060R
  • Zoning description: County,Residential Single Family

Features

  • Levels: 1
  • Stories: 1
  • Pool features: Heated,In Ground,Salt Water,See Remarks
  • Patio & porch: Covered Porch,Front Porch
  • Exterior features: Outdoor Shower
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 10,018 sqft
  • Features: Deeded Water Access,Flood Insurance Required,Within 1/2 Mile of Water
  • Lot size dimensions: 41 x 240

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Has uncovered spaces: Yes

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 FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
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 $2,654$31,848
Home Insurance *$230$2,760
Property Taxes $490$5,880
Electricity $197$2,366
Total$3,571$42,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,434/yr
40% on housing$107,130/yr
45% on housing$95,226/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

$477This 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
2026-08-17Price change$499,000
2026-07-28Price change$524,900
2026-06-25Listed for sale$549,000
2025-11-13Listing removed$399,900
2025-09-03Price change$399,900
2025-08-02Listed for sale$349,900
2025-06-12Sold$389,900
2024-07-12Sold$600,000
2024-05-24Contingent$679,000
2024-03-06Listed for sale$679,000
2021-06-30Sold$487,000
2021-05-17Contingent$495,000
2021-05-12Listed for sale$495,000

For Sale by Agent

AgentRex Gravitt
BrokeragePort Realty Group

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