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About this home
9437 Treasure Lake CT is a home in Island Acres Sub, St James City. Flood zone A - confirm flood insurance requirements with your lender. HOA runs $1,196 annually.
Some homesites are simply hard to replace — this is one. This 1.24-acre lot in Island Acres offers space and privacy rarely found in a gated community, tucked quietly at the end of a cul-de-sac. Now offered at $84,900, it's also the most affordable acre-plus lot on the island. Island Acres is a small, close-knit community of just 31 homesites, built around Treasure Lake — a peaceful gathering spot with a lakeside pavilion, sandy beach, and calm water views. Residents enjoy a scenic perimeter trail for walking, jogging, or biking, along with private roads and underground utilities that keep the neighborhood clean, uncrowded, and unhurried. The lot is served by city water and septic, giving you the reliability of a public water connection paired with the flexibility of your own septic system — a great combination for a custom-built home in a natural setting. Lot 5 offers a wooded, natural landscape, with half the property preserved as conservation land, framing your future home with mature trees and a buffer from neighbors — a rare feature that makes this homesite feel more like a private retreat than a typical subdivision lot. And you're never far from everything Pine Island offers: waterfront dining, marinas, boat ramps, and local shopping are just minutes away. This is your opportunity to secure the largest, most private homesite in a gated Pine Island community—at a price that's tough to beat.
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The essentials
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Details
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$84,900
Time on market
391 days
Monthly payment
About $646/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $724 annual tax bill, insurance, and the $1,196/yr HOA fee.
HOA fee
$1,196/yr
Managed by Lissett Murano.
Flood zone
Zone A
That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.
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