3050 York RD, Saint James City, FL, 33956
About This Home
Boaters, anglers, investors, and island dreamers — this is the one. Welcome to your turnkey waterfront retreat on Monroe Canal in the heart of Saint James City, offering direct boating access with no bridges to the Intracoastal Waterway. Designed for true island living, this property features a 5,000 lb boat lift, a 16,000 lb covered boat lift, and approximately 833 sq. ft. of composite dock/deck space where you can fish, relax, entertain, or launch your next day on the water. This beautifully updated 2-bedroom, 2-bath home also includes a bonus bunk room/office, 1,300 sq. ft. under air, a 300 sq. ft. screened lanai with outdoor shower, large patio, and low-maintenance rocked yard. Inside, you’ll find an open layout, porcelain tile throughout, a spacious kitchen with large island, updated cabinetry, stainless appliances, inside laundry, and coastal furnishings that are negotiable, making the home feel bright, clean, and move-in ready. Major updates include plumbing in 2012, renovations in 2015 and 2022, metal roof in 2021, A/C and appliances in 2022, and drain field in 2020. For added peace of mind, the property also includes a custom $68,000 flood barrier system by FloodRisk America, complete with storage trailer. Enjoy waterfront dining, fishing, kayaking, boating, and sunset evenings from your own private dock. Furnishings, select items, and the saltwater hot/cool tub are negotiable separately, perfect for relaxing after a day on the water or cooling off during warm island afternoons.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1973
Materials
- Foundation: Concrete Block
- Roof: Metal
- Construction materials: Block,Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Microwave,Refrigerator,Refrigerator/Freezer,Refrigerator/Icemaker
- Laundry features: Washer/Dryer Hookup,Inside
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: Dining - Living, Eat-in Kitchen
Features
- Guest Bath,Guest Room,Laundry in Residence,Screened Lanai/Porch
- Door features: Impact Resistant Doors
- Flooring: Tile
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 1,808
- Total interior livable area: 1,300 sqft
Property
Details
- Parcel number: 354522030000B.0170
- Zoning: RS-1
Features
- Stories: 1
- Patio & porch: Screened Lanai/Porch
- Exterior features: Boat Slip,Boat Lift
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Canal Front
Lot
- Lot size: 4,791 sqft
Parking
- Total spaces: 1
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Coastal Flooding
- Hurricane
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Lee County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,527 | $30,324 |
| Home Insurance * | $575 | $6,900 |
| Property Taxes | $60 | $720 |
| Electricity | $197 | $2,366 |
| Total | $3,359 | $40,308 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-24 | Price change | $499,900 |
| 2026-07-15 | Price change | $525,000 |
| 2026-07-08 | Price change | $544,500 |
| 2026-06-25 | Listed for sale | $559,000 |
| 2015-03-24 | Sold | $170,000 |
| 2011-01-06 | Listing removed | $249,900 |
| 2010-06-10 | Price change | $249,900 |
| 2010-03-13 | Price change | $254,900 |
| 2010-01-23 | Listed for sale | $269,900 |
| 1999-10-04 | Sold | $95,000 |
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