Susan Granger PA

123 Useppa Island Unit B

Useppa Island, FL
$ 950,000 Beds 2 Baths 2.5 Sq 1,478 Virtual Tour
Monthly Estimate* How much can I afford?

Situated on the northwestern point of Useppa Island, "Whelk Cottage" is a 2-bedroom, 2.5-bath townhome offering a warm ambiance with spectacular west-facing waterfront views. Once inside, your attention is drawn to the breathtaking waterscape stretching across the Intracoastal Waterway, where nightly sunsets provide a constant reminder that you are within a true Florida paradise. The shoreline is framed by mangroves, with surrounding tropical greenery reminiscent of the world's most sought-after island destinations. For lovers of wildlife, the setting is exceptional, with frequent sightings of dolphins, manatees and fish in the surrounding waters. Bird enthusiasts will delight in the abundance of wading birds, songbirds, and birds of prey that call the island home. Whelk Cottage offers an authentic and immersive Florida island lifestyle. The villa features two en-suite bedrooms on the main living level, each with convenient access to outdoor space. The western bedroom serves as the primary suite and includes a spacious bath with dual sinks, a large tiled shower, and a walk-in closet. Impact-rated French doors open to a screened porch overlooking the water to the west, offering a more private setting to soak in the pristine views. The eastern bedroom is currently utilized as a den, complete with a full bath and ample closet storage. It offers direct access to an open wrap-around deck surrounded by verdant palms and tropical plantings, creating a tranquil setting of lush greenery. The upper level is dedicated entirely to the living and dining areas, where the cottage's most spectacular elevated water views are fully showcased. Its classic island finishes include crisp whites with splashes of tropical color and warm natural wood details throughout. The kitchen is well suited for everything from intimate dinners for two to entertaining guests for a sunset gathering. The living room features a vaulted wood-beam ceiling that adds warmth and character to the space, while a gas fireplace enhances the inviting atmosphere. Few experiences compare to enjoying a cool winter evening on a Florida island with a fire glowing indoors and expansive waterfront views just beyond the windows. For the past 30 years, Whelk Cottage has been lovingly maintained as a full-time residence and treasured family retreat. Continuous care and thoughtful updates include a new roof (2023), impact-rated windows and doors, roll-down hurricane screens (2024), HVAC system (2024), and water heater (2024). Its location on the northwestern tip of Useppa Island provides a peaceful setting with world-class views while remaining conveniently close to dockage at the Useppa Marina. Ownership includes the deeded right to dock a boat up to 24 feet in length at the marina, a valuable amenity that further enhances the island lifestyle. "Whelk Cottage" offers an opportunity to own a well-maintained and appointed waterfront retreat within one of Florida's most exclusive island communities.

Active

  • Price
  • $ 950,000
  • City
  • Useppa Island
  • Bedrooms
  • 2
  • Full Bathrooms
  • 2
  • County
  • Lee
  • Half Bathrooms
  • 1
  • Area
  • OI01 - Outer Islands
  • Lot Size
  • 0.084 Acres
  • Zip
  • 33921
  • Sqr Footage
  • 1,478
  • Year Built
  • 1980
  • Taxes
  • $ 5360
  • Style
  • Two Story, Duplex
  • MLS#
  • 2026025926
Listed By: Century 21 Sunbelt Realty
Data Source: Florida Gulf Coast MLS (SWFLMLS)

Features

General

Sewer Public Sewer
Heating Central,Electric,Zoned
Cooling Central Air,Electric,Zoned
Utilities Cable Not Available,High Speed Internet Available,Underground Utilities
Possession Close Of Escrow
Roof Metal
Appliances Dryer,Dishwasher,Freezer,Disposal,Microwave,Range,Refrigerator,Self Cleaning Oven,Washer
Association Fee Includes Recreation Facilities,Road Maintenance,Street Lights,Trash
Patio/Porch Features Balcony,Deck,Lanai,Open,Patio,Porch,Screened
Architectural Style Two Story,Duplex
Pool Features Community
Construction Materials Vinyl Siding,Wood Frame
Pets Allowed Call,Conditional
Year Built 1980
View Bay,Mangroves,Water
Stories Count 2
Levels Two
Unit Number Unit B
Property Subtype Attached
Tax Year 2025
Ownership Single Family
Waterfront Features None,Across the Road Water Frontage
Community Features Boat Facilities,Street Lights
County Lee
Property Type Residential
Association Amenities Bocce Court,Marina,Fitness Center,Other,Pickleball,Private Membership,Pool,Restaurant,Boat Slip,Spa/Hot Tub,See Remarks,Tennis Court(s),Trail(s)
HOA false
Subdivision Name USEPPA ISLAND
Facing Direction East
Garage Y/N false
Other Structures Guest House Attached
Full Baths 2
Status Active
Directions This property is located on an island without bridges or roads, and a boat is required for access. Please contact listing agent to discuss the options available and specific instructions to access the property.
City Useppa Island
Disclosures Deed Restriction,Owner Has Flood Insurance,RV Restriction(s)
Senior Community Y/N false
Zoning Description RM-2
MLS Area OI01 - Outer Islands
Lot Size Units Acres
Carport Y/N false
Property Attached Y/N true
Tax Annual Amount 5360.28
Property Condition Resale
Virtual Tour https://marketing.realogy.imprev.net/03/452103/146658487/
Structure Type Duplex
Standard Status Active
Tax Lot 23A
Property Sub Type Additional Attached,Duplex,Villa
PostalCity Useppa Island
Legal Description COTTAGE SITES OF USEPPA IS SLY 1/2 SITE 23 AS DESC OR 1988/1026 OR 1207 PG 507

Interior Features

Interior Amenities Breakfast Bar,Built-in Features,Bedroom on Main Level,Dual Sinks,French Door(s)/Atrium Door(s),Fireplace,Living/Dining Room,Main Level Primary,Shower Only,Separate Shower,Vaulted Ceiling(s),Window Treatments,Split Bedrooms
Flooring Tile,Wood
Furnished Y/N Partially
Total Stories 2
Air Conditioning Y/N true
Heating Y/N true
Window Features Impact Glass,Shutters,Window Coverings
Fireplace Y/N true
Half Baths 1
Laundry Features Inside
Total Bedrooms 2
Entry Level 1
Room Type Bathroom,Guest Quarters,Other,Screened Porch
LivingAreaSource Appraiser
Total Baths 3

Exterior Features

Gulf Access false
Exterior Amenities Deck,Security/High Impact Doors,Patio
Water Source Public
Lot Size Area 0.084
Foundation Details Pillar/Post/Pier,Raised
Spa false
Building Area Total 2054
Lot Dimensions 23 x 141 x 34 x 134
Lot Size Acres 0.084
Private Pool false
Lot Size Source Appraiser
Waterfront Y/N false
Door Features French Doors
LotDimensionsSource Appraiser

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Cape Coral, FL office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

6/17/2026 Listed $950,000

Property vs Zip Code Average in 33921

Price
AVG $5.57M
$950K
Taxes
AVG $31,595
$5,360
Year Built
AVG 1988
1980

In The Neighborhood

Areas That We Cover

123 Useppa Island Unit B Useppa Island, FL is a Single Family Home for sale at $950000 with 1478 sqft and a lot size of 0.084 Acres Acre(s). 123 Useppa Island Unit B Useppa Island has 2 bedrooms, 2 baths and was built in 1980. The property's zip code is 33921 which is in Useppa Island, FL

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Susan Granger PA

Susan Granger PA

Realtor®

239-851-5754

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