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St. Croix Real Estate for Sale, USVI

St. Croix...the American Paradise! This unspoiled island paradise offers a wideSt. Croix Real Estate selection of real estate opportunities. St. Croix is the largest member of the Virgin Islands. Its people, culture, architecture, history, beaches and crystal clear water are just a few of the things that make this island so desirable.

Although it is only 27 miles long, the island includes flat agricultural land to rolling hills -- arid areas to a small rainforest -- rural settings to dramatic Caribbean Sea views. Whether you are looking for a vacation property or moving to St. Croix, you are sure to find an area and a St Croix house or condo for sale that will appeal to you.

Banking Information

Banco Popular of the Virgin Islands
Post Office Box 8580
St. Thomas, USVI  00801
Tel. (340) 693-2777
Fax (340) 693-2782

Bank Of Nova Scotia
Post Office Box 420
St. Thomas, USVI  00802
Tel. (340) 774-6393
Fax (340) 693-5994
  or (340) 776-5997

Bank of St. Croix
Post Office Box 24240
Gallows Bay
St. Croix, USVI  00824-4240
Tel. (340) 773-8500
Fax (340) 773-8508

First Bank Puerto Rico
Post Office Box 3126
St. Thomas, USVI  00803
Tel. (340) 774-2022
Fax (340) 776-1313

No. 6 King Street
St. Croix, USVI  00820
Tel: (340) 773-0504
Fax: (340) 773-2942

Post Office Box 5468
St. Thomas, USVI  00803
Tel. (340)776-9494
Fax (340) 776-3447

Post Office Box 6220
St. Thomas, USVI  00804
Tel. (340) 775-8800
Fax (340) 7776-0051

MORTGAGES: Available through Banks and lending institutions, including First Bank VI, Scotia Bank, Allied Mortgage Capital Corp , Flagstar, First Liberty Mortgage Co.& Merrill Lynch. Most banks require the buyer to pay for the title search, title insurance, property appraisal, and written certificate of surveyor's property, perimeter or "as-built" survey and the bank attorney fees. Many are able to pre-qualify you over the phone.

PROPERTY TAXES: Taxes are calculated using the method of assessment that was used in 1998 and applying the 1998 tax rate of .0125 x 60 percent of the assessed value. For more information, please call the V.I. Tax Assessor's Office at (340) 773-6459 for Christiansted properties or (340) 772-3115 for Frederiksted properties.

TITLE INSURANCE: Available and recommended. For more information call Virgin Islands Title & Trust Co (340) 773-0570 or Island Title (340) 773-3930.

TRANSFER TAX (STAMP TAX): All real estate transactions involving residences and/or land sales require a tax, which is based on the purchase price. Please be advised that pursuant to Act No. 6630 (Bill No. 25-0121) effective December 23, 2003, the documentary stamp a/ka transfer stamp tax has been increased as follows:

A.) 2% for property valued up to $350,000
B.) 2.5% for property valued from $350,001 to $1,000,000
C.) 3% for property valued from $1,000,001 to $5,000,000
D.) 3.5% for property valued over $5,000,001

WINDSTORM/EARTHQUAKE INSURANCE: About 2% - 3% of insured value or replacement cost for masonry/stone, more for wood frame construction.

ZONING, BUILDING AND HOUSING LAWS AND REGULATIONS: Office of the Lt. Governor, King Street, Christiansted. Telephone 340-773-6459.

BUILDING SPECS: All new buildings must withstand a minimum wind speed of up to 110mph and Zone 4 earthquake provisions. Generally the code follows Miami / Dade counties building codes for hurricanes.

BUILDING COSTS: From $250.00 per sq. ft.

ELECTRIC: Supplied by Virgin Islands Water & Power Authority (WAPA). Their office is located in Estate Diamond cross from the Sunny Isle shopping center. Telephone 340-773-2250 or 340-778-5064. After you have purchased a residence, hooking up your electric is easy...all you need is a photo ID, copy of your deed, $125.00 deposit and a copy of the previous owner's old WAPA bill with their account number on it will expedite the process.

WATER: Mainly rain water collected from the roof and stored in a cistern in most areas. Within city limits you may have access to city water and sewer. Most condominiums have common cisterns and may charge a separate water fee.

TAXES AND BUSINESS INFORMATION: U.S.V.I. residents taxed on worldwide income according to standard (IRS) code. Non-resident U.S. citizens taxed on income from U.S.V.I. sources only. Corporations have a 10% surcharge on income with the exception of those enjoying investment incentives. Businesses pay 5% gross receipts tax on money earned from all transactions including services. The U.S. Virgin Islands uses the U.S. IRS Tax Code, but the tax dollars are kept locally and filed with the Virgin Islands Bureau of Internal Revenue. Social Security and Unemployment taxes are paid to the U.S. Federal Government. The taxes are at the same rates and use the same forms and rules as the federal income tax under what is called the "mirror system" of taxation.


St. Croix Sky-Cam - Aerial views of St. Croix
Aerial Views of St Croix

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