123 Useppa Island, Unit B

Useppa Island, FL 33922

$950,000
Price
2
Beds
1,478 Sq. Ft.
$643 / Sq. Ft.
1,478
Sq. Ft.
$643
per Sq. Ft.
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Description

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...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.
  1. Listed by Rogan White • Century 21 Sunbelt Realty • barrierislandbroker@gmail.com

Property Details for 123 Useppa Island, Unit B

Development
USEPPA ISLAND
Building Design
Villa Attached, Duplex
Community Type
Boating
Waterfront
No
Waterfront Desc
None, Across The Road Water Frontage
Waterfront Desc
None
View
Bay, Mangroves, Water
Garage Spaces
.00
LISTING UPDATED: 06/17/2026 03:44 PM

Property Details for 123 Useppa Island, Unit B

StatusActive
MLS #2026025926
Days on Market2
Taxes$5,360 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Single Family
Year Built1980
Lot Size0.08 AC / 3,659 SF
CountyLee County
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Location

Listing Courtesy of Century 21 Sunbelt Realty, Rogan White
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Building Information for 123 Useppa Island, Unit B

Stories2Year Built1980Building Size-Lot Size0.08 AC / 3,659 SF

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$5,181 per month

30 year fixed, 6.36% Interest

Principal and Interest

$4,734

Property Taxes

$447

HOA Dues

$0

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Property Information for 123 Useppa Island, Unit B

Summary
Location and General Information
  • City: Useppa Island
  • 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.
  • Human Modified: Yes
  • Latitude: 26.67
  • Longitude: -82.21
  • MLS Area Major: OI01 - Outer Islands
  • Pets: Limits, With Approval
  • Postal Code: 33921
  • Street Name: Useppa Island
  • Street Number: 123
  • Block: 1
  • Unit Number: Unit B
  • Full Address: 123 Useppa Island Unit B
  • View: Yes
Parking
  • Carport Spaces: .00
  • Carport: No
  • Covered Spaces: .00
  • Garage: No
Taxes and HOA Information
  • Amenity Rec Fee: $.00
  • Application Fee: $53,250.00
  • Association Fee Total: $25,176.00
  • Association Fee Total Frequency: Annually
  • Association Fee 2: $.00
  • Maintenance: Recreation Facilities, Road Maintenance, Street Lights, Trash
  • Association Mngmt Phone: 239-283-1061
  • Mandatory HOA: No
  • Tax Annual Amount: $5,360.28
  • Tax Year: 2025
  • Transfer Fee: $.00
  • Association Fee 3: $.00
  • Membership Fee Frequency: Monthly
Property
Lot Information
  • Source of Measure Total Area: Appraiser
  • Development Name: USEPPA ISLAND
  • Parcel Number: 04-44-21-01-00001.023A
  • Property Type: Residential
  • Section: 04
  • Lot Unit: 23A
  • Source of Measure Living Area: Appraiser
  • Source of Measure Lot Dimensions: Appraiser
  • Acres: 0.084
  • Lot Size Area: 0.084
  • Lot Size Dimensions: 23 x 141 x 34 x 134
  • Source of Measurements: Appraiser
  • Lot Size Units: Acres
  • Legal Desc: COTTAGE SITES OF USEPPA IS SLY 1/2 SITE 23 AS DESC OR 1988/1026 OR 1207 PG 507
Property and Assessments
  • Total Area: 2054.0
  • Rear Exposure: W
  • Approx Living Area: 1478.0
  • Possession: Close Of Escrow
  • Property Attached: Yes
  • Property Condition: Resale
  • Property Sub Type: Attached
  • Township: 44
  • Senior Community: false
  • Range: 21E
  • Special Assessment: 0.00
  • Sub Condo Name: USEPPA ISLAND
  • Year Built Numeric: 1980
  • Property Sub Type Additional: Attached, Duplex, Villa
  • Restrictions: Architectural, Deed Restrictions, No Motorcycles, No Rv, No Truck
  • Zoning Code: RM-2
Lease Information
  • Land Lease Fee: $.00
  • One Time Land Lease Fee: $.00
  • One Time Mandatory Club Fee: $.00
  • One Time Othe Fee: $.00
  • One Time Special Assessment Fee: $.00
Utilities
  • Sewer: Central
  • Utilities: Cable Not Available, High Speed Internet Available, Underground Utilities
  • Water Source: Public
  • Water: Central
Multi Family
Multi-Family Information
  • Num Unit Floor: 1
  • Golf Type: No Golf Available
  • Annual Food And Beverage Minimum: 0.00
  • Units in Complex: 2
  • Stories: 2.0
  • Total Floors: 2
  • Total One Time Fees: $53,250.00
  • Units in Building: 2
  • Unit Location: 1
Interior and Exterior Features
Exterior Features
  • Architectural Style: Two Story, Duplex
  • Association Amenities: Bocce Court, Marina, Fitness Center, Other, Pickleball, Private Membership, Pool, Restaurant, Boat Slip, Spa Hot Tub, See Remarks, Tennis Courts, Trails
  • Canal Width: None
  • Community Features: Boat Facilities, Street Lights
  • Construction: Wood Frame
  • Exterior Features: Deck, Security High Impact Doors, Patio
  • Exterior Features: Deck, Patio, Decorative Shutters
  • Foundation Details: Pillar Post Pier, Raised
  • Irrigation Source: Other
  • Other Structures: Guest House Attached
  • Patio And Porch Features: Balcony, Deck, Lanai, Open, Patio, Porch, Screened
  • Pool Features: Community
  • Private Pool: No
  • Roof: Metal
  • Structure Type: Duplex
  • Gulf Access: No
  • Spa: No
Interior Features
  • Appliances: Dryer, Dishwasher, Freezer, Disposal, Microwave, Range, Refrigerator, Self Cleaning Oven, Washer
  • Baths Full: 2
  • Bathrooms Half: 1
  • Bathrooms Total Integer: 3.0
  • Beds Total: 2
  • Bedrooms: 2 Bed
  • Cooling: Central Air, Electric, Zoned
  • Cooling: Yes
  • Door Features: French Doors
  • Elevator Text Details: None
  • Fireplace: Yes
  • Flooring: Tile, Wood
  • Furnished Desc: Partially
  • Heating: Central, Electric, Zoned
  • Heating: Yes
  • Interior Features: Breakfast Bar, Built In Features, Bedroom On Main Level, Dual Sinks, French Doors Atrium Doors, Fireplace, Living Dining Room, Main Level Primary, Shower Only, Separate Shower, Vaulted Ceilings, Window Treatments, Split Bedrooms
  • Interior Features: Fireplace, Vaulted Ceiling, French Doors, Window Coverings
  • Laundry Features: Inside
  • Levels: Two
  • Window Features: Impact Glass, Shutters, Window Coverings
Rental
Rental Information
  • One Time Rec Lease Fee: $.00

Property History for 123 Useppa Island, Unit B

DateEvent & SourcePriceAppreciation
Jun 17, 2026

Listed (Active)

FORTMLS #2026025926

$950,000—
DateEvent & SourcePrice
06/17/2026

Listed (Active)

FORTMLS #2026025926

$950,000

For completeness, we often displays two records for one sale: the MLS record and the public record.

Schools near 123 Useppa Island, Unit B

This home is within Lee.
Rating
School
Type
Grades
Distance
The Island School
Charter - K to 5
Oasis Charter Middle School
Charter - 6 to 8
Oasis Charter High School
Charter - 9 to 12
Oasis Elementary Charter School - North
Charter - K to 5
Rating
School
Distance
The Island School
CharterK to 5

Oasis Charter Middle School
Charter6 to 8

Oasis Charter High School
Charter9 to 12

Oasis Elementary Charter School - North
CharterK to 5

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 123 Useppa Island, Unit B, Useppa Island, FL 33922

123 Useppa Island, Unit B is a single family home for sale in Useppa Island, FL 33922. This property was listed for sale on June 17, 2026 by Century 21 Sunbelt Realty, it's currently listed at $950,000. This listing's school district is Lee. Nearby schools include The Island School, Oasis Charter Middle School and Oasis Charter High School. 123 Useppa Island, Unit B is a 2-bed, 3-bath, 1,478 sqft single family home built in 1980.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Century 21 Sunbelt Realty, Rogan White

The information is being provided in part by Southwest Florida Multiple Listing Service, Broker Reciprocity Program ("BR Program") of M.L.S. of Naples, Inc. ("Naples MLS"), under License No. NCOMPN2, and MarcoMls. Information deemed reliable but not guaranteed. Information is provided for consumers' personal, non-commercial use, and may not be used for any purpose other than the identification of potential properties for purchase. Copyright 2026 Southwest Florida Multiple Listing Service and MarcoMls. All Rights Reserved. The data relating to real estate for sale displayed on this website comes in part from the Broker Reciprocity Program ("BR Program") of M.L.S. of Naples, Inc. ("Naples MLS"), under License No. NCOMPN2 and MarcoMls. Properties listed with brokerage firms other than Compass are marked with the "BR House" logo. Detailed information about such properties includes the name of the brokerage firm with which the seller has listed the property. The properties displayed may not be all the properties listed with brokerage firms participating in the Naples MLS BR Program, or contained in the database compilation of Naples MLS.