Fantastic boating community with private boat ramp! Escape to the laid-back island lifestyle in this bright and breezy 3 bedroom, 2 bath St. James City retreat. From the moment you step inside, you'll love the open split-bedroom layout, the spacious great room, and the seamless flow to a screened lanai framed by mature tropical landscaping--perfect for morning coffee, sunset cocktails, or simply soaking in the island breeze. Set in a friendly neighborhood right across from canalfront homes, this property delivers the coastal vibe you want without the waterfront price tag or high insurance costs. The home sits high and dry, giving you peace of mind and easy year-round ownership. Love being on the water? For just $150/year, you can optionally join the HOA and enjoy access to the private community boat ramp--launch your boat and you're in the Gulf in about 5 minutes. Quick, convenient, and ideal for anglers, explorers, and sunset cruisers. And here's a unique extra: the vacant lot next door is owned by the sellers, buyers may inquire if interested. An excellent opportunity for those dreaming of additional space, privacy, or future flexibility. If you're searching for relaxed Florida living with all the island perks--sun, salt air, swaying palms, and easy Gulf access--this home brings the lifestyle together beautifully.