Not all waterfront is in the million-dollar category! For sure , some is. But I have a listing, for example, within a mile of downtown Sarasota, and one bridge to the bay, for $215,000! Add a dock and you’ve got a place for a good-sized outboard boat to live in your backyard.
I have a listing in Port Charlotte on a canal that comes out on the Myakka River, with dock and pool, for $219,000. That one just went under contract or I’d offer to show it to you.
Even Siesta Key, historically priced in the stratosphere, is getting reasonable again. I have a listing there, 3 BR, 2 BA at 599,000 that is gorgeous, with a dock and small boathouse. All of these can be seen on these web pages: