COASTAL OPPORTUNITY IN ST. JAMES BAY WITH OWNER FINANCING AVAILABLE! Discover the opportunity to create your own coastal retreat on this approximately 0.23-acre property in the desirable St. James Bay community of Carrabelle. Located in the peaceful Thomas Bay area, this property offers convenient access to the Gulf, beautiful beaches, boating, fishing, marinas, and boat ramps. Property owners enjoy access to community amenities including a swimming pool, tennis courts, pickleball courts, fitness facility, and Bayside area with a fishing pier, picnic tables, and firepit. Golf enthusiasts will appreciate St. James Bay Golf Course, a public course with no membership required. Public water and public sewer are available, with electricity available at the property. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this property offers an excellent chance to enjoy Florida's Forgotten Coast. Owner financing may be available. Buyer to verify all building requirements, utilities, restrictions, and intended use with the appropriate governing authorities and HOA.