Mexico/St. Joe Beach Homes under $400,000

Mexico/St. Joe Beach Homes under $400,000

Welcome to St. Joe Beach, a hidden gem nestled along the stunning Gulf Coast of Florida in Franklin County. This charming coastal community offers a perfect blend of serene beach living and vibrant local culture, making it an ideal destination for those seeking a tranquil yet engaging lifestyle. With its sugar-white sands and emerald waters, St. Joe Beach is a paradise for sun-seekers and nature enthusiasts alike.

One of the most appealing aspects of St. Joe Beach is the accessibility of affordable housing options. If you're looking for homes under $400,000, you'll find a delightful selection of properties that cater to a variety of tastes and needs. From cozy beach cottages to spacious family homes, there’s something for everyone in this picturesque locale. Many of these homes boast beautiful views, inviting outdoor spaces, and proximity to the beach, allowing you to fully embrace the coastal lifestyle.

In addition to its stunning natural beauty, St. Joe Beach is conveniently located near a range of amenities. Enjoy fresh seafood at local restaurants, explore nearby parks, or take a leisurely stroll along the beach. With a friendly community atmosphere and a slower pace of life, St. Joe Beach is perfect for families, retirees, or anyone looking to escape the hustle and bustle of city living.

Whether you're seeking a vacation home or a permanent residence, St. Joe Beach offers an incredible opportunity to own a piece of paradise without breaking the bank. Come and discover the charm of St. Joe Beach, where your dream coastal living awaits!

Newest Mexico/St. Joe Beach 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
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
3300 Hwy 98, Unit 109, Mexico Beach
$349,900
2 Beds ⋅ 2 Baths ⋅ 329439 MLS ⋅ Once Upon A Tide BLDG.
Positioned on the first floor of Waterside Village, this well-appointed 2-bedroom, 2-bath condo offers an appealing combination of coastal convenience, resort-style amenities, and proven income potential. The open living and dining area creates an inviting gathering space with direct access to the private balcony, providing an easy transition to outdoor living. Its location within the community is especially desirable—close to the dog-walking area and just a short stroll to the pool, yet tucked far enough away to enjoy peaceful mornings and relaxed evenings on the balcony. The community boasts one of Mexico Beach's most impressive pools, complete with a spillover spa/hot tub, creating a true vacation-resort atmosphere. Situated along the canal, Waterside Village also offers day-docking options, making it convenient for those looking to enjoy the area's exceptional boating and fishing opportunities. The spacious primary suite features a large en suite bath with double vanities and a generous walk-in closet, creating a comfortable private retreat. The second bedroom is designed with vacation guests in mind, offering two sets of bunk beds to maximize sleeping capacity and rental appeal. Thoughtfully furnished for guests, the condo also includes a beach wagon, pack-and-play, and high chair—practical extras that add convenience for families and help make this a turnkey vacation destination. Whether you're searching for a coastal getaway, an income-producing investment, or a combination of both, this Waterside Village condo offers a compelling opportunity in a highly desirable Mexico Beach setting.

3300 Hwy 98, Unit 109, Mexico Beach
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
9242 Cockles Ave, Port St. Joe
$319,900
2 Beds ⋅ 2 Baths ⋅ 329343 MLS
Coastal cottage in Beacon Hill located only 750' from a dedicated county beach access to the Gulf of Mexico! This home was formally set up as a duplex years ago and has many living options for those looking at the entry level of beach living along Florida's Forgotten Coast. Spacious kitchen/ dining area leads to a bedroom and full bath which flows to a back porch with two decks. The other side is suitable for other options such as a mother-in-law suite or bedroom with bath and is complete with a kitchen. Large workshop with plenty of storage for beach toys or hobbies. What's more, this unique property is also located in the coveted X FLOOD ZONE for better flood insurance rates. Don't miss out on this great opportunity to enjoy the sugar sand beaches of Beacon Hill and Gulf County, FL.

9242 Cockles Ave, Port St. Joe
1005 Cypress Ln Unit Unit B, Mexico Beach
$340,000
2 Beds ⋅ 2 Baths ⋅ 329338 MLS
ASSUMABLE 2.25% INTEREST RATE LOAN AND FURNISHED! Welcome to 1005B Cypress Lane, a 2BR/2BA home at the end of a quiet, private dead-end street in the heart of Mexico Beach. With 1,120 square feet of living space, this home has been renovated Post-Michael and has a great layout, with an open living and dining area filled with natural light and a kitchen featuring stainless steel appliances and a gas range. The primary suite opens directly onto the screened porch, making it easy to enjoy the breeze without ever leaving your bedroom. The guest bedroom and full bath give family or visitors a comfortable space of their own. Outside is where this property really shines, with the fenced backyard featuring a screened porch, a shaded pergola swing, a patio perfect for gathering, a private outdoor shower for rinsing off after the beach, raised garden beds, and a 12x24 air-conditioned storage shed that is ideal for tools, gear, or a workshop. With an oversized driveway accommodating up to three vehicles, no HOA, and furnishings negotiable, this home works equally well as a full-time residence or vacation getaway. The Gulf is just minutes away, and the privacy of Cypress Lane makes this one a rare find in Mexico Beach. Check out the virtual tour!

1005 Cypress Ln Unit Unit B, Mexico Beach
632 Gulf Aire Dr, Port St. Joe
$399,000
3 Beds ⋅ 3 Baths ⋅ 329283 MLS
COASTAL LIVING IN GULF AIRE! Discover this beautifully renovated 3-bedroom, 3-bath end-unit townhome in the highly desirable Gulf Aire community of St. Joe Beach. Practically everything has been updated, creating a fresh, move-in-ready home just a short distance from the white sandy beaches of the Gulf of Mexico. The bright, open-concept living, dining and kitchen area features new flooring, fresh paint, white cabinetry and granite countertops. The kitchen also offers a custom pantry with white cabinetry for additional storage. Updated bathrooms feature white cabinetry and granite countertops, including a convenient Jack-and-Jill bathroom upstairs and a full bathroom downstairs. Washer and dryer are included. Additional features include a gas fireplace, gas water heater, private patio, balcony and an attached garage with automatic opener and newly finished epoxy floor. As an end unit, the home offers added privacy and a desirable location within the community. Gulf Aire is a golf cart and pet-friendly community offering an impressive array of amenities, including a community swimming pool, tennis/pickleball court and two private dedicated beach access points—all with an affordable annual HOA fee of approximately $320. Enjoy the relaxed St. Joe Beach lifestyle with local restaurants, shopping, boating, world-class fishing and nearby Port St. Joe and Mexico Beach just minutes away. Whether you're looking for a full-time residence, second home or weekend beach getaway, this extensively renovated townhome offers an excellent opportunity to own near the Gulf. Move-in ready and priced to sell!

632 Gulf Aire Dr, Port St. Joe
1004 15th St Unit 4, Mexico Beach
$258,000
2 Beds ⋅ 2 Baths ⋅ 329279 MLS
Your place at the beach may be more attainable than you think! Welcome to Unit 4 in Sea Pines, a 2-bedroom, 2-bath townhouse tucked away just off 15th Street in Mexico Beach and approximately half a mile from the sugar-white sands of the Gulf. With 950 heated and cooled square feet, this easy-to-maintain coastal home offers a comfortable layout with plenty of natural light, two bedrooms, two full baths and an oversized laundry/utility room. The kitchen features generous cabinet, granite counters along with a breakfast bar that opens to the living area. Out back, a private patio and partially fenced outdoor space provide a spot to enjoy the Florida sunshine or unwind after a day at the beach. One of the best perks of Sea Pines is the community pool--enjoy the benefits of having a pool without having to maintain one yourself. Trash service is also included in the HOA dues. And then there's the location. From here, you're minutes from the beach, Mexico Beach Market, local restaurants, coffee shops, fishing, boating and everything that makes this laid-back coastal community special. The property boasts a proven long-term rental history at $1,395 per month, offering buyers an income-producing coastal property option. Short-term vacation rentals are not permitted in Sea Pines; only long-term rentals are allowed. Based on the property's rental history, new owners have an opportunity to adjust the rental rate to reflect current market conditions. Built in 2005, Unit 4 offers flexibility as a primary residence, second home or long-term rental investment. Whether you're looking for your own place near the Gulf or a low-maintenance property with income potential, Sea Pines puts the Mexico Beach lifestyle within easy reach.

1004 15th St Unit 4, Mexico Beach
1120 15th St Unit 3-b, Mexico Beach
$210,000
2 Beds ⋅ 2 Baths ⋅ 329038 MLS
Welcome to 1120 15th Street, Unit 3B, a bright and inviting condo offering comfortable coastal living in the heart of Mexico Beach. The open-concept living, dining, and kitchen areas are filled with natural light and feature wood-look flooring, and an easy flow for everyday living or entertaining. The kitchen offers white cabinetry, dark countertops, a breakfast bar, and generous workspace, while the adjoining living and dining areas provide flexible space for relaxing, hosting guests, or enjoying meals together. A convenient in-unit laundry closet with a stacked washer and dryer adds everyday functionality. Both bedrooms feature ceiling fans and direct access to a covered balcony, creating a peaceful indoor-outdoor connection. The spacious primary suite includes a private bathroom with ample vanity storage and an updated tiled tub and shower surround. A second full bathroom serves the guest bedroom and main living area. Step outside to the covered balcony and enjoy elevated views of the surrounding trees and natural landscape—a relaxing setting for morning coffee or unwinding after a day at the beach. Conveniently located near the Gulf, local restaurants, shopping, boating, and everything Mexico Beach has to offer, this condo is well suited as a full-time residence, coastal getaway, or investment property.

1120 15th St Unit 3-b, Mexico Beach
402 Georgia Ave, Mexico Beach
$399,000
3 Beds ⋅ 2 Baths ⋅ 328962 MLS
Discover the possibilities this exceptional 150' x 200' double-lot property has to offer in the heart of Mexico Beach. Located approximately 1/4 mile from public beach access, this Residential General (RG) zoned property is situated in the desirable X Flood Zone, allows short-term rentals, and has no HOA fees, making it an excellent opportunity for a vacation getaway, investment property, or future development. The property currently features a fully furnished mobile home that successfully withstood Hurricane Michael and is presently being used as a short-term rental. While the home could benefit from a little TLC, it offers immediate income-producing potential with opportunities for future improvements. The home is being sold as-is, with the seller making no repairs. One of the property's most unique features is its future development potential. Subject to prior approval from the City of Mexico Beach and all applicable regulations, if the existing structure is removed, the property may be divided back into its two original platted lots, each measuring approximately 75' x 100'. Whether you're looking for a rental investment, a beach getaway, or a property with long-term development flexibility, this offering presents opportunities that are becoming increasingly difficult to find in Mexico Beach. All information is believed to be accurate but should be independently verified by the buyer and buyer's agent during the due diligence period.

402 Georgia Ave, Mexico Beach
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