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  • $950,000

    123 Useppa Is #B, Useppa Island, FL 33921

    2beds
    1,478sqft
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    Duplex, Single Family Residence
    Built in 1980
    -- sqft lot
    $889,300 Zestimate®
    $643/sqft
    $-- HOA

    What's special

    Spectacular elevated water viewsSpectacular west-facing waterfront viewsImpact-rated french doorsImpact-rated windows and doorsSurrounding tropical greeneryLarge tiled showerWalk-in closet
    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.
    21 days
    |
    265
    |
    7
    |

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Rogan White 239-671-1710,

    Century 21 Sunbelt Realty

    Source: Florida Gulf Coast MLS,MLS#: 2026025926MLS LogoOriginating MLS: Florida Gulf Coast

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Bathroom, Guest Quarters, Other, Screened Porch
      Heating
      • Central, Electric, Zoned
      Cooling
      • Central Air, Electric, Zoned
      Appliances
      • Included: Dryer, Dishwasher, Freezer, Disposal, Microwave, Range, Refrigerator, Self Cleaning Oven, Washer
      • Laundry: Inside
      Features
      • 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, Bathroom, Guest Quarters, Other, Screened Porch
      • Flooring: Tile, Wood
      • Doors: French Doors
      • Windows: Impact Glass, Shutters, Window Coverings
      • Has fireplace: Yes
      Interior area
      • Total structure area: 2,054
      • Total interior livable area: 1,478 sqft
      Video & virtual tour

      Property

      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Balcony, Deck, Lanai, Open, Patio, Porch, Screened
      • Exterior features: Deck, Security/High Impact Doors, Patio
      • Pool features: Community
      • Has view: Yes
      • View description: Bay, Mangroves, Water
      • Has water view: Yes
      • Water view: Bay,Water
      • Waterfront features: None, Across the Road Water Frontage
      Lot
      • Size: 3,659 Square Feet
      • Dimensions: 23 x 141 x 34 x 134
      Details
      • Additional structures: Guest House Attached
      • Parcel number: 0444210100001.023A
      • Lease amount: $0
      • Zoning description: RM-2

      Construction

      Type & style
      • Home type: MultiFamily
      • Architectural style: Two Story,Duplex
      • Property subtype: Duplex, Single Family Residence
      • Attached to another structure: Yes
      Materials
      • Vinyl Siding, Wood Frame
      • Foundation: Pillar/Post/Pier, Raised
      • Roof: Metal
      Condition
      • Resale
      • Year built: 1980

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Not Available, High Speed Internet Available, Underground Utilities

      Community & HOA

      Community
      • Features: Boat Facilities, Street Lights
      • Condo and coop fee: $0
      • Membership fee: $475 monthly
      • Subdivision: USEPPA ISLAND
      HOA
      • Has HOA: No
      • Amenities included: Bocce Court, Marina, Fitness Center, Other, Pickleball, Private Membership, Pool, Restaurant, Boat Slip, Spa/Hot Tub, See Remarks, Tennis Court(s), Trail(s)
      • Services included: Recreation Facilities, Road Maintenance, Street Lights, Trash
      • HOA phone: 239-283-1061
      Location
      • Region: Useppa Island

      Financial & listing details

      • Price per square foot: $643/sqft
      • Tax assessed value: $629,971
      • Annual tax amount: $5,360
      • Date on market: 6/17/2026
      • Listing terms: All Financing Considered,Cash
      • Ownership: Single Family

        Estimated market value

        $889,300

        $845,000 - $934,000

        $1,166/mo

        Price history

        DateEventPrice
        6/17/2026Listed for sale$950,000+89.1%$643/sqft
        Source: Florida Gulf Coast MLS #2026025926 Report a problem
        3/10/1997Sold$502,500$340/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$5,360 +3.2%$385,265 +2.9%
        2024$5,194 +1%$374,407 +3%
        2023$5,140 +6.8%$363,502 +3%
        2022$4,815 +9.5%$352,915 +3%
        2021$4,397 -1%$342,636 +1.4%
        2020$4,443 +1.5%$337,905 -8.8%
        2019$4,376 $370,640 +14.3%
        2018$4,376 +1.1%$324,149 +2.1%
        2017$4,331 -0.9%$317,482 +2.1%
        2016$4,370 +0.9%$310,952 -1.3%
        2015$4,333 -4.8%$315,003 -39.2%
        2014$4,553 -7.4%$517,796 +24%
        2013$4,916 +6%$417,599 -16.7%
        2012$4,636 +2.7%$501,324 -21.9%
        2011$4,516 -0.4%$641,903 -2%
        2010$4,536 +4.7%$655,195 -7.3%
        2009$4,331 +8.2%$706,990 -6.1%
        2007$4,002 +90.2%$752,900 +75.1%
        2006$2,103 -53.4%$430,000 -9.9%
        2004$4,510 -3.4%$477,150 +3.2%
        2003$4,667 +10.2%$462,400 +2.6%
        2002$4,236 $450,870 +53.9%
        2000-- $293,000

        Find assessor info on the county website

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: Useppa Island

        Getting around

        0 / 100
        Car-Dependent
        49 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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