Direct Gulf access, peaceful preserve views, and sunset evenings by the water-welcome to island living in St. Jude Harbors on laid-back Pine Island. Situated near the end of a dead-end road across from St. James Creek Preserve, this 2-bedroom, 2-bath concrete block home offers a waterfront retreat with no bridges to open water. A wide canal leads to Pine Island Sound and the Gulf, while two docks and an 8,000-lb aluminum boat lift installed in 2019 make it easy to enjoy boating and fishing. Inside, the split-bedroom layout provides privacy, and a Florida room adds space to relax or entertain. The kitchen and appliances were updated in 2023, along with bathroom vanities, interior paint, and trim. Additional improvements include a metal roof and added insulation in 2021, an engineered carport in 2021, and air conditioning in 2019. Enjoy low-maintenance landscaping, a waterfront pergola, and western rear exposure for taking in the sunset. Pilings and riprap reinforce the shoreline, and covered parking provides added convenience. Offered furnished with a strong seasonal rental history, this home is ready to become your island getaway or year-round waterfront retreat. Seller financing available to qualified buyers with attractive terms