“Fancy Free Cottage” is located along the northwestern shoreline of Useppa Island and possesses many of the qualities that make for a quaint and private island retreat. This attached villa features three bedrooms and two baths encompassing more than 1,600 square feet of air-conditioned living space. From the moment you approach the front door, the difference is apparent: the end-unit setting offers additional openness and privacy, with lush tropical landscaping in place of the neighboring residence found alongside interior units. Situated just steps from the shoreline, its position provides expansive water views to the north and west, along with magnificent sunsets overlooking Boca Grande and Charlotte Harbor in the distance. Those waters and surrounding islands are easily accessible, as ownership of this unit includes the right to dock a boat of up to 24 feet at a nearby community dock at no additional cost.
Through the front door, you are greeted by an open and light-filled living area overlooking the northwesterly water views through impact-rated sliding doors. The living room is spacious enough to accommodate a variety of dining and seating arrangements and also features a fireplace and bar. Adjacent to the living room is a full kitchen with breakfast bar, providing added functionality for entertaining while maintaining a convenient and manageable footprint.
The Primary Bedroom is situated on the east side of the first of two living floors and offers ample storage along with a recently renovated ensuite bathroom. Direct access to the wraparound deck is provided through classic multipaned French doors, where privacy and a tropical setting come together. The deck provides ample room for a jacuzzi, should the new owner desire one, or for a complement of patio furniture for outdoor entertaining and relaxation.
Upstairs are two additional bedrooms joined by a Jack-and-Jill bathroom. The western bedroom possesses bird’s-eye views over the water through impact-rated sliding doors, and those views come to life the moment you step through the sliders onto the private open balcony. The bathroom is both functional and charming, with classic coastal décor and a private water closet and bath that can be closed off with pocket doors. The easterly guest room is quaint yet spacious enough to accommodate guests of all ages and would also serve well as an office or exercise room. With this floor plan, it is not uncommon for the western guest room to become the Primary Bedroom, while the eastern guest room serves as a Primary office or den.
“Fancy Free Cottage” has received a wide range of updates and thoughtful attention in recent years, creating a truly move-in-ready property without the need for renovation or significant additional work. Its location and position provide a sense of waterfront living, complete with expansive water views and convenient dockage amid a lush tropical setting—all within a quaint and manageable package offered below $1,000,000.
Active
$895,000
507 Useppa Is, Useppa Island, FL 33921
3beds
1,606sqft
Duplex, Single Family Residence
Built in 1980
-- sqft lot
$836,000 Zestimate®
$557/sqft
$-- HOA
What's special
Three bedroomsJack-and-jill bathroomTwo bathsLush tropical landscapingRecently renovated ensuite bathroomImpact-rated sliding doors
- 22 days
- 369
- 22
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#: 2026034128
Originating MLS: Florida Gulf Coast
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Bathroom, Guest Quarters, Other
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fan(s), Electric
Appliances
- Included: Dryer, Dishwasher, Electric Cooktop, Freezer, Disposal, Microwave, Refrigerator, Self Cleaning Oven, Washer
- Laundry: Inside
Features
- Built-in Features, Bedroom on Main Level, Fireplace, Main Level Primary, Other, Shower Only, Separate Shower, Bar, Window Treatments, Split Bedrooms, Bathroom, Guest Quarters, Other
- Flooring: Other
- Windows: Other, Impact Glass, Window Coverings
- Has fireplace: Yes
- Furnished: Yes
Interior area
- Total structure area: 1,822
- Total interior livable area: 1,606 sqft
Video & virtual tour
Property
Features
- Levels: Two
- Stories: 2
- Patio & porch: Balcony, Deck, Open, Patio, Porch
- Exterior features: Deck, Other, Patio, Storage
- Pool features: Community
- Has view: Yes
- View description: Bay, Landscaped, Mangroves, Water
- Has water view: Yes
- Water view: Bay,Water
- Waterfront features: None, Across the Road Water Frontage
Lot
- Size: 2,221 Square Feet
- Dimensions: 31 x 80 x 37 x 65
- Features: Irregular Lot
Details
- Additional structures: Guest House Attached
- Parcel number: 0944210200008.0000
- 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
- Security: Smoke Detector(s)
- Condo and coop fee: $0
- Membership fee: $475 monthly
- Subdivision: USEPPA ISLAND
HOA
- Has HOA: No
- Amenities included: Bocce Court, Boat Dock, Marina, Fitness Center, Other, Playground, Private Membership, Pool, Restaurant, Spa/Hot Tub, See Remarks, Tennis Court(s), Trail(s)
- Services included: Other, Recreation Facilities, Road Maintenance, Street Lights, Trash
- HOA phone: 239-283-1061
Location
- Region: Useppa Island
Financial & listing details
- Price per square foot: $557/sqft
- Tax assessed value: $567,925
- Annual tax amount: $8,310
- Date on market: 8/13/2026
- Cumulative days on market: 22 days
- Listing terms: All Financing Considered,Cash
- Ownership: Single Family
Estimated market value
$836,000
$794,000 - $878,000
$1,754/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/13/2026 | Listed for sale | $895,000+21.8%$557/sqft |
Source: | ||
| 5/2/2022 | Sold | $735,000-5.2%$458/sqft |
Source: | ||
| 2/24/2022 | Pending sale | $775,000$483/sqft |
Source: | ||
| 1/19/2022 | Listed for sale | $775,000+307.9%$483/sqft |
Source: | ||
| 4/16/1997 | Sold | $190,000+31%$118/sqft |
Source: Public Record Report a problem | ||
| 10/12/1995 | Sold | $145,000$90/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $8,311 +13.9% | $515,108 +10% |
| 2024 | $7,297 -12.3% | $468,280 -10.3% |
| 2023 | $8,322 +58.8% | $522,233 +37.1% |
| 2022 | $5,242 +9.5% | $380,776 +3% |
| 2021 | $4,787 -1.1% | $369,685 +1.4% |
| 2020 | $4,838 +1.5% | $364,581 -2.3% |
| 2019 | $4,766 | $373,054 +6.7% |
| 2018 | $4,766 +1% | $349,739 +2.1% |
| 2017 | $4,717 -0.9% | $342,546 +2.1% |
| 2016 | $4,761 +0.8% | $335,500 -0.4% |
| 2015 | $4,722 -3.9% | $336,991 -27.4% |
| 2014 | $4,913 -23.6% | $464,402 +11.1% |
| 2013 | $6,433 -4.1% | $417,900 -7.2% |
| 2012 | $6,706 -26.9% | $450,098 -24.9% |
| 2011 | $9,178 -2.1% | $598,969 -0.1% |
| 2010 | $9,375 -5.7% | $599,301 -6.7% |
| 2009 | $9,945 +5.1% | $642,460 -2.3% |
| 2007 | $9,465 -12.5% | $657,610 -4% |
| 2006 | $10,814 +46.3% | $684,690 +71.2% |
| 2004 | $7,394 +3.1% | $399,880 +8.9% |
| 2003 | $7,171 -3.3% | $367,150 -2.6% |
| 2002 | $7,419 | $376,760 +53.1% |
| 2000 | -- | $246,040 |
Find assessor info on the county website
Monthly payment
Est. payment







