Gulf Beaches Homes under $1.25 million

Gulf Beaches Homes under $1.25 million

Welcome to Gulf Beaches, an enchanting subdivision nestled on the stunning St. George Island in Franklin County, Florida. This coastal gem offers a unique blend of laid-back island living and vibrant community spirit, making it the perfect destination for those seeking a serene escape or a permanent residence.

Gulf Beaches boasts a variety of homes under $1.25 million, ensuring that your dream of owning a piece of paradise is within reach. These charming properties feature diverse architectural styles, from cozy beach cottages to modern coastal retreats, all designed to embrace the breathtaking surroundings. Imagine waking up to the sound of gentle waves and the scent of salty air, with the beach just a short stroll away.

The subdivision is characterized by its friendly atmosphere, where neighbors become friends and community events bring everyone together. Enjoy leisurely walks along the sandy shores, indulge in water activities like kayaking and fishing, or simply relax under the sun with a good book. The area is also known for its stunning sunsets, providing a picturesque backdrop for evening gatherings.

Gulf Beaches is conveniently located near local shops, restaurants, and recreational areas, ensuring that you have everything you need right at your fingertips. Whether you’re looking for a vacation home or a permanent residence, Gulf Beaches offers an idyllic lifestyle that combines the beauty of nature with the comforts of home.

Explore the possibilities in Gulf Beaches, where your dream home awaits!

Newest Gulf Beaches Homes under $1.25 million

340 Marks St, St. George Island
$725,000
3 Beds ⋅ 2 Baths ⋅ 329670 MLS ⋅ Bayside Cottage BLDG.
"Bayside Cottage". Enjoy Spectacular Sunsets from this St. George Island Bayfront Vintage home. 152' Deep Water Frontage on Apalachicola Bay and the Intercoastal Waterway. Private Covered Boat Dock. Natural shoreline buttressed by a boulder seawall and native grasses. Abundant Redfish, Mullet and Crabs entice fishing and net casting off the dock or rev up the boat for direct access to acclaimed Inshore & Off-Shore Fisheries. The 3 BR, 1.5 BA fishing cottage showcases Apalachicola Bay vistas that capture the InterCoastal Waterway and Apalachicola Bridge. Covered boat/vehicle/golf-cart parking. Generous under-house storage and enclosed workshop. Outdoor shower and fish-cleaning sink. Enter the property along a charming split-rail fenced yard graced with mature shade trees and native vegetation. Quick, easy access to acclaimed white sand Beaches and miles of Coastal Bike Path! Popular vacation rental, offered fully furnished.

340 Marks St, St. George Island
252 E Gorrie Dr, St. George Island
$1,100,000
3 Beds ⋅ 3 Baths ⋅ 329653 MLS
Welcome to “Beachfront, Baby!” Where the days start with coffee overlooking the water and end barefoot on the deck with the sound of waves rolling in. Set directly on the beach in the heart of St. George Island, this 3-bedroom, 2.5-bath coastal beach house captures what island living is supposed to feel like: easy, comfortable and centered around the water. Sparkling views fill the home, salty breezes drift across the decks, and the beach is quite literally your backyard. The first level offers two bedrooms, each with its own full bath. The primary suite opens directly onto a spacious private beachfront deck, a peaceful spot for slow mornings and sunrise skies. Upstairs is where the house really comes together. The bright, open living level connects the kitchen, breakfast bar, dining and living spaces, while large windows and glass doors keep your eyes drawn toward the beach. Step outside onto the adjoining deck for dinner in the ocean breeze, cocktails at sunset, grilling with friends or simply settling in and listening to the waves. Above, the third-level loft overlooks the living area and adds a fun, flexible bedroom space, especially for kids. Multiple decks and exterior stairs make coming and going from the beach easy, and the outdoor shower is waiting when you come back sandy and sun-kissed. This is a home made for beach days and good company! Spend the morning on the sand, come home for lunch on the deck, wander into town for dinner, then end the night outside under the stars. And because the home sits at the end of the row, it feels more open and private than you might expect from such a convenient location. You are close enough to walk to many of SGI's favorite restaurants, shops, Lighthouse Park, the playground and community events, yet when you are home, the water and beach take center stage. Recent improvements add even more value and peace of mind, including a new roof in 2025, new HVAC units, new water heater, LVP flooring installed, a remodeled guest bath and fresh interior paint throughout. The decks have also been reinforced and a new beach walkover added, making it even easier to step out the door and enjoy the reason you came to St. George Island in the first place: the beach! Currently a popular vacation rental managed by Fickling Vacation Rentals, “Beachfront, Baby!” is being offered turnkey with an established rental history. Keep it as your own island getaway, continue using it as an investment property, or enjoy the best of both. Beach days. Bare feet. Salty air. Crashing waves. Long afternoons outside and nowhere you need to be... “Beachfront, Baby!” is a little slice of the St. George Island life, and it's ready for its next chapter. ** Seller is a licensed real estate agent.**

252 E Gorrie Dr, St. George Island
980 E Pine Ave, St. George Island
$849,000
4 Beds ⋅ 3 Baths ⋅ 329525 MLS
Welcome to 980 E Pine Ave, a beautifully updated 4-bedroom, 3-bath island home situated on a spacious corner lot and surrounded by large, mature live oak trees. Never used as a vacation rental, this well-maintained property has recently undergone interior renovations and fresh paint, creating a comfortable coastal retreat that is ready to enjoy. Inside, you'll find luxury LVP flooring, beautiful white pine ceiling accents, an updated kitchen, and renovated bathrooms. Major improvements include a new roof in 2019, flooring in 2019, kitchen renovation in 2021, bathroom renovation in 2022, and a new HVAC system in 2025. The home is also equipped with a water softener and whole-house water filtration system. One of the true highlights of the property is the private pool area. Surrounded by mature live oaks and lush natural surroundings, the backyard feels like your own private island oasis. The pool and deck were resurfaced in 2025, creating an inviting space for relaxing, entertaining, or cooling off after a day at the beach. The home also offers peek-a-boo bay views, along with a workshop and generous storage underneath the house—perfect for beach gear, bikes, fishing equipment, tools, and all the extras that come with island living. Located on a corner lot with direct beach access at the end of the road, you're just a short walk from the white-sand beaches and Gulf waters of St. George Island. With four bedrooms, three bathrooms, a private pool, mature live oaks, extensive updates, and convenient beach access, 980 E Pine Ave offers the complete island lifestyle—whether you're searching for a primary residence, second home, or future vacation rental investment.

980 E Pine Ave, St. George Island
409 N Sawyer St, St. George Island
$1,175,000
3 Beds ⋅ 2 Baths ⋅ 329509 MLS
At 409 North Sawyer, St. George Island, the sunsets are exquisite. Watch the fish jump. Drop a line off the dock, or just wait for the sun to go down over the bay — from your own back deck, every evening. Three bedrooms, two baths, and 90 feet of bay frontage to call your own. Remodeled top to bottom. The kitchen is completely new, including a reworked layout, all new cabinets, and all new appliances. The bathrooms are new. The decks are new. The AC units, inside and out, are new. Even the seawall has been reinforced with rock. The heavy lifting is done. Water at your doorstep. Your own private dock puts fishing a few steps from the door, and the calm bay makes launching a kayak or paddleboard effortless — no trailer, no boat ramp, no waiting in line. Room to gather. Underneath the house, a screened living area gives you shaded, bug-free entertaining space — the spot where everyone ends up after a day on the water. Truly turnkey. The home is being sold furnished, and that includes the golf cart, the kayaks, and the paddleboard. Show up with a suitcase and you're on island time by the afternoon. On Florida's Forgotten Coast, where the pace is slower and the crowds thinner, 90 feet of bayfront with direct water access and this level of updating doesn't come along often. Come sit awhile and see for yourself. Write a message

409 N Sawyer St, St. George Island
525 W Bay Shore Dr, St. George Island
$599,000
3 Beds ⋅ 2 Baths ⋅ 329413 MLS
FISHERMAN'S PARADISE! Rare opportunity to own a house with both a private dock AND a private boat ramp on a St. George Island bay-front canal, giving you direct access to Apalachicola Bay from your own yard, all with no HOA. In addition to the private 8' x 40' dock and adjacent boat ramp, this canal-front St. George Island property also features an 18' x 31' metal boat barn and room to launch, dock and store your boat with ease. The fenced 0.37-acre corner lot has access from both West Bay Shore Drive and Wing Street. The 1,344-square-foot manufactured home has 3 bedrooms, 2 bathrooms, open kitchen and dining areas, a living room, a long enclosed porch, tile and engineered flooring, and a 10' x 10' storage shed. Extensive decking and many palm trees surround the house, with plenty of room for outdoor activities and entertaining. Several recent upgrades have been made, including a new LG refrigerator that produces large, round ice balls for those cocktails at the end of the day as you relax on your deck or dock and watch the fish jump! A metal roof was installed in 2010, and a new power pole, electrical box and seawall were installed in 2022. This property has been a beloved “Old Florida”-style family getaway for the previous owners, and now it's your turn to experience the Forgotten Coast lifestyle. Whether you keep the house as is with its vintage, ramshackle charm or take it in a new, more luxurious direction, this is a rare find for anyone who enjoys life on the water.

525 W Bay Shore Dr, St. George Island
633 E Gorrie Dr Unit 1, St. George Island
$449,000
3 Beds ⋅ 1 Baths ⋅ 329388 MLS
Here is your chance to own a piece of paradise just steps from the beach for under $450,000! This fully renovated 3-bedroom, 1-bathroom first-tier condo is located less than 100 feet from the beach and offers an incredible combination of location, upgrades, and value. The seller has already done the hard work, so you can simply enjoy the rewards. Recent improvements include LVP flooring, beautiful white pine ceilings, a recently painted interior, an updated tiled shower, a new roof installed in 2025, hurricane-impact windows and doors, and a new shared aerobic septic system. The $550 monthly HOA includes wind, fire, and flood insurance, helping make ownership simple and predictable. Whether you're looking for a beach getaway, vacation rental, or a combination of both, this property offers exceptional value this close to the Gulf. Don't miss your opportunity to own a renovated beach property less than 100 feet from the sand!

633 E Gorrie Dr Unit 1, St. George Island
848 E Pine Ave, St. George Island
$625,000
3 Beds ⋅ 2 Baths ⋅ 329385 MLS ⋅ Our Anchor BLDG.
Tucked away on quiet East Pine Ave on SGI, "Our Anchor" is a charming island cottage surrounded by lush native vegetation and coastal greenery. This 3-bedroom, 2-bath home has an open and warm, inviting feel and offers the perfect opportunity for someone to add their own style and updates. Split bedroom accommodations offer privacy for all with the main living area adjacent to the kitchen and dining area. Enjoy the large outdoor living spaces with screened in porch or the many open decks surrounding it. There is also huge space under the home for outdoor games, fish-cleaning or cocktails with friends. This home has great bones and plenty of potential for those looking to put 'their own spin' on an island getaway, whether it to be a full-time or part-time residence or island vacation rental. Life here moves at a gentler rhythm. Morning walks to the beach with coffee in hand, afternoons fishing or boating, and evenings grilling on the porch. Hop on the golf cart, cruise down to the water, catch a sunset, and head home to your quiet little hideaway tucked under the lovely scrub-oaks. If you've been dreaming of a place on the island where you can slow down, unwind, and make it your own, this East Pine cottage might just be the perfect spot to start! Call for a showing today, you will be glad to see this awesome SGI cottage!

848 E Pine Ave, St. George Island
500 Sawyer St, St. George Island
$749,900
4 Beds ⋅ 2 Baths ⋅ 329297 MLS
Enjoy island living and beautiful views of Apalachicola Bay from this 4-bedroom, 2-bath home on St. George Island. The home features durable Hardie board siding, impact-rated windows, exterior lift, and attractive LVP flooring. Four bedrooms provide plenty of space for family and guests, while the home's setting takes advantage of its proximity to the Bay and the relaxed atmosphere that makes St. George Island so special. The spacious yard offers excellent possibilities for creating your own outdoor retreat—add a pool, accommodate your boat and island toys, or simply enjoy the extra breathing room that's increasingly hard to find on the island. Whether you're looking for a full-time residence, second home, or island getaway, 500 W Sawyer Street combines Bay views, a generous home site, and practical coastal features in one inviting St. George Island property.

500 Sawyer St, St. George Island
900 Bay Shore Dr, St. George Island
$875,000
5 Beds ⋅ 3 Baths ⋅ 329278 MLS ⋅ Green Grass & High Tides BLDG.
Discover coastal living at its finest at 900 W Bayshore Dr, St. George Island, Florida. This impressive 5-bedroom, 3-bathroom ICF (Insulated Concrete Form) custom house with a brand new pool boasts 2,460 sq ft of living space on a spacious .33-acre corner lot, offering stunning bay views and convenient access to Regatta Park.

900 Bay Shore Dr, St. George Island
848 W Gulf Beach Dr, St. George Island
$799,000
3 Beds ⋅ 2 Baths ⋅ 329267 MLS
Island living is easy at 848 W Gulf Beach Drive! This completely renovated 3-bedroom, 2-bath St. George Island home is ready to enjoy from day one, whether you're looking for a personal coastal retreat, second home, or your next investment opportunity. Spend your days lounging by the private pool, cruising the island by golf cart, or relaxing on the enclosed deck while taking in beautiful Gulf views. Inside, the home has been thoughtfully updated throughout, giving you the charm of island living without the list of projects. Located in a golf cart accessible area with easy access to the beach, restaurants, shops, and all the things that make SGI special. The home is not currently in a vacation rental program, giving the next owner a fresh start and the flexibility to make it their own. For buyers interested in rental income, vacation rental projections are on file. Private pool, Gulf views, a complete renovation, and a location made for enjoying St. George Island — this one checks all the boxes.

848 W Gulf Beach Dr, St. George Island
548 E Pine Ave, St. George Island
$699,000
3 Beds ⋅ 2 Baths ⋅ 329249 MLS ⋅ Poston BLDG.
Custom designed home located in a quiet residential area of St. George Island, yet just minutes from the Island's center for shopping, dining, and the iconic St. George Island Lighthouse Park. This inviting home features a covered entry leading into an open-concept living room and kitchen with vaulted ceilings and ceramic tile flooring. The spacious covered deck includes a cook station—perfect for entertaining or relaxing coastal evenings. The primary suite opens directly to the deck and offers a walk-in closet, double-sink vanity, wiring for a TV, and a spa-like bath complete with a garden tub and shower. Two guest bedrooms share a full bath, providing comfortable accommodations for family or visitors. The ground level offers abundant flexible space ideal for storage, a studio, game room, or garage. Outdoors, enjoy a private deck, an outside shower, and a charming “she shed” perfect for gardening or hobbies. Additional features include: Storm shutters CARGO lift Irrigation well on a 3-zone timer system Gulf views from the widow's walk A thoughtfully designed Island retreat offering comfort, functionality, and coastal charm in a peaceful yet convenient location. Roof replaced 2023; HVAC replaced 2022.

548 E Pine Ave, St. George Island
316 W Pine Ave, St. George Island
$399,000
3 Beds ⋅ 3 Baths ⋅ 329202 MLS
RARE GROUND-LEVEL SGI FIXER-UPPER WITH SERIOUS POTENTIAL! Just two blocks from the heart of downtown St. George Island, this tucked-away island bungalow is the kind of opportunity that doesn't come around often. Walk, bike or golf cart to the beach, bay, restaurants, shops and all the fun of island life, then come home to your own private tropical oasis on a quiet road. This adorable fixer-upper is a blank slate just waiting for someone with vision. Think colorful coastal cottage, laid-back surf shack, charming vacation rental or your own little SGI escape. The unique loft adds instant character and possibility, while the lush yard gives the property that dreamy, hidden-away island feel you will love. There's even a side-yard shed for beach gear, bikes, fishing rods and all your island toys. The location is already here. The tropical setting is already here. The bungalow charm is already here. Now bring your ideas and turn this rare ground-level property into something unforgettable. Fix it. Flip it. Rent it. Love it. Opportunities this close to downtown, the bay & the beach are hard to find on St. George Island at this AFFORDABLE price!

316 W Pine Ave, St. George Island
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