8677 WHISPERING PINES DRIVE, Out of Area, FL, 33956 | $499,000

Embrace the laid-back island lifestyle with this charming two-story home, perfectly situated on 1. 37 acres in Saint James City. Tucked away in a peaceful, private and natural setting, yet just minutes from Matlacha, Pine Island, and Southwest Florida’s best fishing and boating, this property offers the ultimate blend of privacy, relaxation, and convenience. The main living space upstairs features 1424 sq ft, boasting 2 bedrooms + 2 bathrooms, an airy open-concept design, and a spacious deck with wood porch on three sides—perfect for soaking in the coastal breeze and nature views. A formal dining room, foyer/den/office space, and a large living room with sliding glass doors opening to the porch complete this bright and inviting space. The kitchen is a chef’s delight, featuring ample cabinetry, generous counter space, and a convenient breakfast bar, perfect for casual dining or entertaining. The dining room sits just off the kitchen and living room, making it easy to host gatherings with family and friends. Interior laundry room is upstairs with cabinet, closet and storage space. The owner’s suite is 14' x 12' and features an ensuite bathroom with a single vanity, tiled walk-in shower, large walk-in closet, and sliding glass doors leading to the porch. Bedroom 2 is 11' x 12' with a large closet. The main bathroom features a tub and shower combo. Downstairs features a private in-law suite or added living space, with 1120 sq ft. , offering exceptional flexibility. Interior can be accessed via the inside stairs or a separate exterior entrance door on the ground level for added convenience. Features include a full kitchen, dining, and living room with a cozy wood-burning fireplace. 2 sets of Sliding glass doors open to the oversized concrete patio, ideal for outdoor entertaining and grilling. Bedroom is 12' x 10' with a spacious walk in closet. Main bathroom downstairs features a tiled walk-in shower. Additionally, a 10' x 13' storage room with built-in shelves offers ample space for organization. Home has never flooded from storms and has a new updated Electrical Panel. A large shed provides additional storage, complete with a drive-in lawn mower door for added convenience off the back. With city water and septic, you have the best of both worlds—modern convenience and island-style independence. No deed restrictions or HOA fees mean you can bring your boats, RV, and all your toys. Plus, there's plenty of space to add a detached garage or barn for extra storage. Only a short drive to restaurants, shopping, nature trails, beaches, boat launches, and more. This home offers the perfect balance of tranquility and accessibility. Whether you're looking for a peaceful getaway or a full-time island home, this hidden gem in Saint James City is the perfect place to unwind and enjoy the best of coastal Florida living. Schedule your private showing today!

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 3 full
  • Lot Size: 170 x 351 x 170 x 351
  • Laundry: Electric Dryer Hookup, In Kitchen, Inside, Laundry Room, Upper Level, Washer Hookup
  • Style: Key West
  • Year Built: 1985
  • Garage: Circular Driveway
  • Heating: Electric
  • Cooling: Central Air, Wall/Window Unit(s)
  • Approx Sq. Feet: 2,544
  • Acreage: 1.37
  • Lot Size: 170 x 351 x 170 x 351
  • Est. Taxes: $4,026
  • Lot Desc: FloodZone, In County, Oversized Lot, Private
  • View: Trees/Woods
  • Elem. School: Pine Island Elementary
  • High School: Ida S. Baker High School
  • Pet Policy: Yes
  • Appliances: Cooktop, Dishwasher, Disposal, Electric Water Heater, Range, Washer
  • MLS#: A4639928
  • Days on Market: 55 days
  • Website: https://www.raveis.com
    /prop/A4639928/8677whisperingpinesdrive_outofarea_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 5/11/2025 8:32:09 AM)
Listing courtesy of ALLISON JAMES ESTATES & HOMES   Phone: 941-500-4922

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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8677 WHISPERING PINES DRIVE, Out of Area, FL, 33956

$499,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $399,200 $399,200 $399,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.058% 7.063% 6.132%
Monthly Tax Payment $336 $336 $336
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,523 $2,622 $3,342
Total Monthly Payment $2,934 $3,033 $3,753

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.