Port St. Joe Homes under $400,000

Port St. Joe Homes under $400,000

Welcome to Port St. Joe, Florida, a hidden gem nestled along the stunning Gulf Coast in Franklin County. Known for its picturesque beaches, charming downtown, and friendly community atmosphere, Port St. Joe offers a unique blend of coastal living and small-town charm. With a rich history dating back to the early 1800s, this vibrant city boasts an array of cultural and recreational opportunities, making it an ideal destination for families, retirees, and anyone looking to embrace the laid-back Florida lifestyle.

One of the most appealing aspects of Port St. Joe is its diverse real estate market. For those seeking affordable housing options, you'll be delighted to discover a selection of beautiful homes available for under $400,000. Whether you’re looking for a cozy beach cottage, a modern family home, or a charming historic property, Port St. Joe has something to suit every taste and budget. With its stunning waterfront views and proximity to local parks, schools, and shops, you can enjoy a fulfilling lifestyle without breaking the bank.

Imagine waking up to the sound of waves crashing on the shore, enjoying leisurely strolls along the scenic beaches, and savoring fresh seafood at the local eateries. In Port St. Joe, you can have it all—affordable housing, a welcoming community, and the beauty of coastal living. Discover your dream home in this enchanting city and start making memories in a place where the sun shines bright and the spirit of adventure awaits!

Newest Port St. Joe Homes under $400,000

248 Sea Tern Ln, Port St. Joe
$399,000
3 Beds ⋅ 3 Baths ⋅ 329643 MLS
THE ONLY TOWNHOME CURRENTLY FOR SALE IN WINDMARK BEACH WITH DIRECT GULF VIEWS! Welcome to 248 Sea Tern Lane, a turnkey 3BR/2.5BA Sabal Townhome offering rare Gulf views in the highly sought-after WindMark Beach community. Ideal as a second home, vacation getaway, or rental property, this home is available furnished, allowing you to start enjoying or renting immediately. The open-concept interior features EVP flooring, quartz countertops, white cabinetry with brushed-nickel hardware, stainless-steel appliances, and abundant natural light. Additional features include a 1-car garage, Low-E insulated windows, energy-efficient HVAC, water-saving fixtures, SkyBell doorbell, Honeywell thermostat, DEAKO Smart Switches, and Safe Haven surveillance system. Enjoy the WindMark Beach lifestyle with Gulf/beach access, community pools, Town Center, boardwalks, dining, shopping, and outdoor spaces all within the community. Located approximately 6 miles from downtown Port St. Joe, 21.7 miles from Tyndall AFB, and 39 miles from Panama City Beach. A rare combination of Gulf views, turnkey furnished potential, resort-style amenities, and beach access makes 248 Sea Tern Lane a unique opportunity on Florida's Forgotten Coast. Whether you're looking for your own coastal retreat or a ready-to-enjoy rental property, this home is positioned to deliver the WindMark Beach lifestyle from day one.

248 Sea Tern Ln, Port St. Joe
273 Parkside Cir, Port St. Joe
$349,000
2 Beds ⋅ 2 Baths ⋅ 329621 MLS
Welcome to the laid-back coastal lifestyle of North Cape San Blas! This beautifully furnished 2BR/2BA townhome in the popular Barrier Dunes community offers the perfect combination of beachside relaxation, resort-style amenities, and lucrative rental potential. If you are looking for a personal beach retreat, second home, or income-producing vacation rental, this inviting townhome is nicely furnished and ready to enjoy. Spend your days soaking up the Florida sunshine, relaxing on the sugar-white beaches of the Gulf of Mexico, or taking advantage of everything Barrier Dunes has to offer. Community amenities include two swimming pools, tennis courts, pickleball courts, scenic fishing ponds, and gated entry. With the Gulf just moments away, guests and owners can enjoy swimming, shelling, fishing, breathtaking sunsets, and miles of beautiful shoreline. Adding to its appeal, this property offers lucrative rental income potential in one of Cape San Blas' most sought-after vacation destinations. Whether you're searching for an investment property, a family beach getaway, or a little of both, this move in ready townhome is an opportunity to own your piece of paradise on North Cape San Blas!

273 Parkside Cir, Port St. Joe
3050 Hwy 98 W Unit D-116, Port St. Joe
$328,919
3 Beds ⋅ 4 Baths ⋅ 329564 MLS
This three bedroom, three bath home, offers an open and easy floor plan. The kitchen does not get lost in the home, but includes an island for gathering, while cooking or entertaining, the large main floor has both a family room and dining room so there is space for everyone. If you are looking for a tranquil place to relax each bedroom offers and ensuite bath for both privacy and comfort. The front porch is a great place to begin or end the day. Located in the highly sought after community of Barefoot Cottages. This enclave offers gated access, 3 pools, a gym, clubhouse, and beautiful outdoor gathering and playing space. Additionally, Barefoot Cottages are conveniently located close to downtown Port St. Joe, which offers, boutique shopping, numerous dining opportunities, a waterfront park and beaches, and many diverse water activities. If you are looking for a full time residence, part time retreat, or possible investment property, Barefoot Cottages are a must see.

3050 Hwy 98 W Unit D-116, Port St. Joe
3050 Hwy 98 W Unit D-100, Port St. Joe
$383,919
4 Beds ⋅ 5 Baths ⋅ 329563 MLS
This large, open and light filled floor plan offers both space and privacy. The large front porch is a wonderful retreat, the kitchen with an island offers easy gathering space, and with two bedrooms on the main floor and two up, and each offering an ensuite bath, privacy, comfort and choice are abundantly available . Located in the highly sought after community of Barefoot Cottages. This enclave offers gated access, 3 pools, a gym, clubhouse, and beautiful outdoor gathering and playing space. Additionally, Barefoot Cottages are conveniently located close to downtown Port St. Joe, which offers, boutique shopping, numerous dining opportunities, a waterfront park and beaches, and many diverse water activities. If you are looking for a full time residence, part time retreat, or possible investment property, Barefoot Cottages are a must see.

3050 Hwy 98 W Unit D-100, Port St. Joe
3050 Hwy 98 W Unit D-111, Port St. Joe
$319,919
3 Beds ⋅ 4 Baths ⋅ 329562 MLS
This open and light filled floor plan, offers a laidback lifestyle, with a large front porch for relaxing, a kitchen with a center island for easy gathering, and each of the three bedrooms offering an ensuite bath, this home has both space and privacy. Located in the highly sought after community of Barefoot Cottages. This enclave offers gated access, 3 pools, a gym, clubhouse, and beautiful outdoor gathering and playing space. Additionally, Barefoot Cottages are conveniently located close to downtown Port St. Joe, which offers, boutique shopping, numerous dining opportunities, a waterfront park and beaches, and many diverse water activities. If you are looking for a full time residence, part time retreat, or possible investment property, Barefoot Cottages are a must see.

3050 Hwy 98 W Unit D-111, Port St. Joe
3050 Hwy 98 W Unit D-81, Port St. Joe
$259,919
2 Beds ⋅ 3 Baths ⋅ 329561 MLS
This beautifully designed two bedroom two bath home offers a lifestyle larger than expected, the open floor plan with both a family room and dining room as well as the open kitchen with a center island make cooking and entertaining more enjoyable. Both bedrooms offer ensuite baths for more privacy and comfort. Located in the highly sought after community of Barefoot Cottages. This enclave offers gated access, 3 pools, a gym, clubhouse, and beautiful outdoor gathering and playing space. Additionally, Barefoot Cottages are conveniently located close to downtown Port St. Joe, which offers, boutique shopping, numerous dining opportunities, a waterfront park and beaches, and many diverse water activities. If you are looking for a full time residence, part time retreat, or possible investment property, Barefoot Cottages are a must see.

3050 Hwy 98 W Unit D-81, Port St. Joe
9425 Starfish Ave, Port St. Joe
$349,900
2 Beds ⋅ 2 Baths ⋅ 329504 MLS
Welcome to 9425 Starfish Ave- A great home in a great neighborhood. Come see this BRAND NEW 2BR 1.5BA home, situated on a quiet street within 1/4 of a mile from the nearest beach access. Featuring quartz countertops, tile showers, and Resolve Rigid Core LVP flooring, the builder went above and beyond, beating out the competition's finishes. Walking into the house, you will be greeted by the open living room that flows right into the kitchen, featuring 9-foot ceilings and plenty of windows, allowing for lots of natural light. The kitchen is a standout with soft-close shaker cabinetry, sleek quartz countertops, an oversized island, and stainless steel appliances—ideal for both everyday meals and entertaining. With a primary suite big enough for a King-sized bed, and a guest bedroom big enough for a queen-size bed, the builder utilized every square foot of this house. Making your way to the full bathroom, you will see the walk-in tile shower and dual vanities, with access to both bedrooms. Enjoy outdoor living with a covered back porch and a private, fenced backyard that's ideal for relaxing or hosting. Modern amenities, energy-efficient features, and thoughtful craftsmanship make this home a must-see! This is the lowest-priced detached single-family home in the Mexico Beach/Beacon Hill/St Joseph Beach area, and with the incentives being offered with the preferred lender, we can get your cost-to-own down significantly! Call today for more information!

9425 Starfish Ave, Port St. Joe
220 N Canal Dr, Port St. Joe
$289,000
3 Beds ⋅ 2 Baths ⋅ 329465 MLS
Enjoy the best of coastal living in this three-bedroom, two-bath home with a bonus room, just minutes from the Intracoastal Waterway, a boat ramp, and white-sand beaches. Recent updates include new cabinets, quartz countertops, air conditioning, appliances, vanities, and more. The spacious back deck features a 15-foot swim spa and grilling area, perfect for entertaining. Set on nearly half an acre with Intracoastal marsh views, the property also offers a fenced backyard with mature pecan trees, a 50-amp RV hookup, a 12-by-20-foot shed, a fish-cleaning station, and a 24-by-20-foot detached carport—an excellent fit for anglers and boaters. With easy access to both saltwater and freshwater recreation, this home is one you won't want to miss. Call today for more information or to schedule a showing. X flood zone, no flood insurance required.

220 N Canal Dr, Port St. Joe
1212 Long Ave, Port St. Joe
$355,000
3 Beds ⋅ 2 Baths ⋅ 329437 MLS
Ideally located in the heart of Port St Joe, this beautifully updated coastal cottage offers the perfect blend of comfort, convenience and charm. With three bedrooms and two baths, the split floorplan provides both functionality and privacy- ideal for full time living, a second home or a coastal retreat. Enjoy being just minutes away from local churches and schools and all of what downtown has to offer. St Joseph Bay is close enough for a golf cart ride- perfect for sunsets, morning outings or a relaxed evening on the shoreline. Dining, shopping and local events are again just a quick golf cart ride, making it easy to step into the laid back coastal lifestyle so many people move here for. Surrounded by mature trees and established landscaping, the property offers a welcoming outdoor setting in a friendly community oriented neighborhood. With no HOA and low property taxes, you'll appreciate the added freedom and affordability...a rare find in coastal Florida these days. Recent improvements include new windows and sliding patio doors (2021) and a new roof (2025), both offering peace of mind and modern efficiency. Home is not in the short term rental district. Schedule your private showing today, you will be impressed.

1212 Long Ave, Port St. Joe
9436 Starfish Ave, Port St. Joe
$399,900
3 Beds ⋅ 2 Baths ⋅ 329431 MLS
Welcome to 9436 Starfish Ave, a great home in a great neighborhood. Come see this BRAND NEW 3BR 2BR home, situated on a quiet street within 1/4 of a mile from the nearest beach access. Featuring quartz countertops, tile showers, and Resolve Rigid Core LVP flooring, the builder went above and beyond, beating out the competition's finishes. Walking into the house, you will be greeted by the open living room that flows right into the kitchen, featuring 9-foot ceilings and plenty of windows, allowing for lots of natural light. The kitchen is a standout with soft-close shaker cabinetry, sleek quartz countertops, an oversized island, and stainless steel appliances—ideal for both everyday meals and entertaining. Making your way to the primary suite, you will see the walk-in tile shower, dual vanities, and a closet with built-in wooden shelving. With two guest rooms big enough for a queen-size bed, the builder utilized every square foot of this house. Enjoy outdoor living with a covered back porch and a private, fenced backyard that's ideal for relaxing or hosting, along with a detached shed, big enough for a golf cart. Modern amenities, energy-efficient features, and thoughtful craftsmanship make this home a must-see! This is one of the few detached single-family homes in the Mexico Beach/Beacon Hill/St Joseph Beach area under $400k, and with the incentives being offered with the preferred lender, we can get your cost-to-own down significantly! Call today for more information!

9436 Starfish Ave, Port St. Joe
118 Gulf St, Port St. Joe
$365,000
3 Beds ⋅ 2 Baths ⋅ 329430 MLS
Just one block from the Gulf, this brick home is ready to be reimagined as a charming coastal cottage. Picture slow mornings, sandy afternoons, and sunset walks to the beach—all just steps from your front door. The home weathered Hurricane Michael and has since received an updated roof and electrical wiring. With the interior largely gutted and framed, much of the groundwork is in place for a buyer to customize the finishes and bring their beach-house vision to life. Offering two bedrooms, one bathroom, approximately 1,162 square feet, and a 0.195-acre lot, this property is filled with potential for a personal getaway, full-time coastal home, or investment opportunity. Bring your plans and creativity to make this St. Joe Beach property your own. Property is being sold as-is. DO NOT ENTER WITHOUT PERMISSION.

118 Gulf St, Port St. Joe
1614 Long Ave, Port St. Joe
$339,900
2 Beds ⋅ 2 Baths ⋅ 329423 MLS
Built in 2023 and thoughtfully designed for comfort and accessibility, this charming two-bedroom, two-bath home offers easy living in a location that puts you close to all that Port St. Joe has to offer. The open living and dining area creates a comfortable gathering space, while the kitchen is conveniently tucked just beyond and offers ample cabinetry and pantry space for added storage. Washer and dryer hookups add everyday convenience, and the home was constructed to ADA standards, including a handicap-accessible ramp leading from the rear deck. The spacious primary suite features a generously sized vanity and a step-in shower, while the second bathroom is conveniently located near the guest bedroom and main living area. Outside, the nearly quarter-acre lot provides plenty of room for your boat, RV, golf cart and other recreational toys, with a covered front porch offering a welcoming place to relax and enjoy the coastal breeze. Just minutes from the boat ramp at St. Joseph Bay, getting out on the water is quick and convenient. The golf-cart-friendly location also makes it easy to cruise into downtown Port St. Joe for local dining, shopping, community events and the laid-back charm that makes this area so special. Whether you're looking for a full-time residence, weekend getaway or low-maintenance coastal retreat, this 2023-built home offers an appealing combination of accessibility, convenience and Gulf Coast lifestyle.

1614 Long Ave, Port St. Joe
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