4931 Needle Fish Ln, St. James City, FL 33956
For Sale $134,900
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MOTIVATED SELLER - BRING YOUR OFFER! LAND-OWNED FURNISHED HOME IN PINE ISLAND COVE WITH NO LOT RENT, BOATING ACCESS & 55+ RESORT-STYLE LIVING! Discover an affordable opportunity to own a furnished manufactured home in Pine Island Cove, a popular 55+ waterfront boating community in St. James City on Pine Island. With land ownership, NO LOT RENT, low HOA fees, community boating access, and resort-style amenities, this home offers the relaxed Southwest Florida lifestyle buyers are searching for. Pine Island Cove is ideal for boating, fishing, and active Florida living. Residents enjoy a long, wide community boat ramp, boat-rinsing station, waterfront green space, remodeled clubhouse, community swimming pool, pickleball, bocce, social activities, and neighborhood events. Launch your boat, spend the day exploring Southwest Florida waterways, or simply relax and enjoy the laid-back Pine Island lifestyle. The home welcomes you with a screened front porch, perfect for morning coffee, visiting with neighbors, or enjoying the island breeze. A separate utility room provides convenient indoor laundry plus additional storage for fishing gear, boating equipment, beach supplies, and everyday necessities. Inside, the kitchen opens to the dining area and spacious great room, creating a comfortable layout for entertaining and daily living. A Florida room provides valuable additional living space and can be opened to enjoy fresh air or enclosed for year-round use. Both bedrooms are generously sized. The primary suite features a private en-suite bathroom, while the guest bedroom is conveniently located near the second full bath. Recent improvements include a newer roof, newer luxury vinyl plank flooring with vapor barrier, and a newer carport. Offered furnished, this St. James City home is ready to enjoy as a seasonal Florida retreat, winter residence, or full-time Pine Island home. The outdoor area behind the property provides additional space for grilling, entertaining, relaxing, or creating your own personalized outdoor living area. Located in Pine Island Cove, you can enjoy the best of St. James City with convenient access to boating, fishing, kayaking, waterfront dining, local restaurants, and the Old Florida island lifestyle Pine Island is known for. Whether you are searching for a Pine Island Cove home, St. James City 55+ community, land-owned manufactured home with no lot rent, affordable Florida retirement home, boating community property, or furnished seasonal residence, this home offers exceptional lifestyle and value. Buyers considering Florida residency may also wish to explore potential homestead and property-tax benefits available to qualifying Florida homeowners. Buyers should independently verify eligibility and potential savings with the appropriate property appraiser or tax professional.
Smoke Detectors
Vaulted Ceiling(s)
Walk- In Closet(s)
Window Coverings
Barbecue
Boat Storage
Bocce Court
Clubhouse
Community Boat Ramp
Community Gulf Boat Access
Library
Pickleball
Shuffleboard Court
Pool
Community Room
Dog Park
Fitness Center
Storage
Taxes: $898.66
Tax Year: 2025
Association Fee: $1,920.00
Association Description: Mandatory
Boat Ramp
Open Porch/ Lanai
Screened Lanai/ Porch
Storage
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator/ Freezer
Self Cleaning Oven
Washer
Y
Building Description: Manufactured
Building Design: Manufacturedhouse
Community Type: Boating, Mobile/ Manufactured, Non- Gated
MLS Area: Pine Island Cove
Total Square Footage: 768
Total Floors: 1
Water: Central
Short Sale: No
Date Listed: 2026-07-16 00:00:00
Pool Description: Community
Furnished: Turnkey
Windows: Window Coverings
Parking: Covered, Driveway Paved, Golf Cart, R V- Boat, Attached Carport
Flooring: Carpet, Vinyl
Roof: Metal
Heating: Central Electric
Cooling: Ceiling Fan(S), Central Electric
Storm Protection: Other
Security: Smoke Detector(S)
Laundry: In Garage
Irrigation: None
55+ Community: Y
Pets: Limits
Restrictions: Deeded, No Motorcycles
Maintenance: Manager, Rec Facilities, Reserve, Sewer, Street Lights, Street Maintenance, Trash Removal
Rear Exposure: S
Lot Desc.: Regular
Amenities: Barbecue, Boat Storage, Bocce Court, Clubhouse, Community Boat Ramp, Community Gulf Boat Access, Library, Pickleball, Shuffleboard Court, Pool, Community Room, Dog Park, Fitness Center, Storage
Listing Courtesy Of: Kw Florida Living
alexis.c.hansen@gmail.com
MOTIVATED SELLER - BRING YOUR OFFER! LAND-OWNED FURNISHED HOME IN PINE ISLAND COVE WITH NO LOT RENT, BOATING ACCESS & 55+ RESORT-STYLE LIVING! Discover an affordable opportunity to own a furnished manufactured home in Pine Island Cove, a popular 55+ waterfront boating community in St. James City on Pine Island. With land ownership, NO LOT RENT, low HOA fees, community boating access, and resort-style amenities, this home offers the relaxed Southwest Florida lifestyle buyers are searching for. Pine Island Cove is ideal for boating, fishing, and active Florida living. Residents enjoy a long, wide community boat ramp, boat-rinsing station, waterfront green space, remodeled clubhouse, community swimming pool, pickleball, bocce, social activities, and neighborhood events. Launch your boat, spend the day exploring Southwest Florida waterways, or simply relax and enjoy the laid-back Pine Island lifestyle. The home welcomes you with a screened front porch, perfect for morning coffee, visiting with neighbors, or enjoying the island breeze. A separate utility room provides convenient indoor laundry plus additional storage for fishing gear, boating equipment, beach supplies, and everyday necessities. Inside, the kitchen opens to the dining area and spacious great room, creating a comfortable layout for entertaining and daily living. A Florida room provides valuable additional living space and can be opened to enjoy fresh air or enclosed for year-round use. Both bedrooms are generously sized. The primary suite features a private en-suite bathroom, while the guest bedroom is conveniently located near the second full bath. Recent improvements include a newer roof, newer luxury vinyl plank flooring with vapor barrier, and a newer carport. Offered furnished, this St. James City home is ready to enjoy as a seasonal Florida retreat, winter residence, or full-time Pine Island home. The outdoor area behind the property provides additional space for grilling, entertaining, relaxing, or creating your own personalized outdoor living area. Located in Pine Island Cove, you can enjoy the best of St. James City with convenient access to boating, fishing, kayaking, waterfront dining, local restaurants, and the Old Florida island lifestyle Pine Island is known for. Whether you are searching for a Pine Island Cove home, St. James City 55+ community, land-owned manufactured home with no lot rent, affordable Florida retirement home, boating community property, or furnished seasonal residence, this home offers exceptional lifestyle and value. Buyers considering Florida residency may also wish to explore potential homestead and property-tax benefits available to qualifying Florida homeowners. Buyers should independently verify eligibility and potential savings with the appropriate property appraiser or tax professional.
Property Details
Price: $134,900
Sq Ft: 768
($176 per
sqft)
Bedrooms: 2
Bathrooms: 2
Unit On Floor: 1
City: St. James City
County: Lee
Development: Pine Island Cove
Acres: 0.0920
Virtual Tour/Floorplan: View
Year Built: 1989
Listing Number: 2026030375
Status Code: A-Active
Taxes: $898.66
Tax Year: 2025
Application Fee: $0.00
Garage:
Furnishings: Turnkey
Pets Allowed: Limits
Interior Features:
Smoke Detectors
Vaulted Ceiling(s)
Walk- In Closet(s)
Window Coverings
Amenities:
Barbecue
Boat Storage
Bocce Court
Clubhouse
Community Boat Ramp
Community Gulf Boat Access
Library
Pickleball
Shuffleboard Court
Pool
Community Room
Dog Park
Fitness Center
Storage
Financial Information:
Taxes: $898.66
Tax Year: 2025
Association Fee: $1,920.00
Association Description: Mandatory
Exterior Features:
Boat Ramp
Open Porch/ Lanai
Screened Lanai/ Porch
Storage
Equipment:
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator/ Freezer
Self Cleaning Oven
Washer
View:
Y
Additional Information:
Building Description: Manufactured
Building Design: Manufacturedhouse
Community Type: Boating, Mobile/ Manufactured, Non- Gated
MLS Area: Pine Island Cove
Total Square Footage: 768
Total Floors: 1
Water: Central
Short Sale: No
Date Listed: 2026-07-16 00:00:00
Pool Description: Community
Furnished: Turnkey
Windows: Window Coverings
Parking: Covered, Driveway Paved, Golf Cart, R V- Boat, Attached Carport
Flooring: Carpet, Vinyl
Roof: Metal
Heating: Central Electric
Cooling: Ceiling Fan(S), Central Electric
Storm Protection: Other
Security: Smoke Detector(S)
Laundry: In Garage
Irrigation: None
55+ Community: Y
Pets: Limits
Restrictions: Deeded, No Motorcycles
Maintenance: Manager, Rec Facilities, Reserve, Sewer, Street Lights, Street Maintenance, Trash Removal
Rear Exposure: S
Lot Desc.: Regular
Amenities: Barbecue, Boat Storage, Bocce Court, Clubhouse, Community Boat Ramp, Community Gulf Boat Access, Library, Pickleball, Shuffleboard Court, Pool, Community Room, Dog Park, Fitness Center, Storage
Map of 4931 Needle Fish Ln, St. James City, FL 33956
Listing Courtesy Of: Kw Florida Living
alexis.c.hansen@gmail.com