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405 Avenue A, Port Saint Joe, FL, 32456

2beds
1baths
825sqft
$159,900
$194price/sqft
$1,267/moest. monthly cost
$50,680/yrincome needed

About This Home

Welcome to your slice of paradise in the heart of Port St. Joe! Located just minutes from the sugar-white sands of the Gulf, this well-positioned property at 405 Avenue A offers the perfect blend of coastal living, convenience, and immediate income potential. This home features a welcoming layout filled with natural light, creating a bright and airy coastal feel throughout. Whether you're looking for a full-time residence, vacation getaway, or a smart investment property, this opportunity stands out. Currently tenant-occupied with renters paying $1,000/month, providing instant cash flow for investors or the option to continue leasing while planning future use. Enjoy being just a golf cart ride away from downtown Port St. Joe, where you'll find charming local shops, restaurants, and marina access. Spend your days at nearby beaches, fishing, boating, or exploring Florida's beautiful Forgotten Coast.

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

4/10
4/10
Port St. Joe High SchoolGrades 7-122.1 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1991

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Laundry features: Washer/Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Interior Area

  • Total structure area: 925
  • Total interior livable area: 825 sqft

Property

Details

  • Parcel number: 04644000R
  • Zoning description: City

Features

  • Levels: 1
  • Stories: 1

Lot

  • Lot size: 6,969 sqft
  • Lot size dimensions: 6696

Parking

  • Total spaces: 4
  • 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 $808$9,696
Home Insurance *$70$840
Property Taxes $192$2,304
Electricity $197$2,366
Total$1,267$15,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,440/yr
40% on housing$38,010/yr
45% on housing$33,786/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

$194This listing

vs Other Active Listings

Avg $/sqft

ZIP 32456$382
Gulf County$306

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)

No zestimate history available

Price History

DateEventPrice
2026-04-05Listed for sale$179,990

For Sale by Agent

AgentJeffery Swayze
BrokerageThe Joe Real Estate Partners

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