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    • $1,124,900

    520 Useppa Is, Useppa Island, FL 33921

    2beds
    1,366sqft
    : 
    Duplex, Single Family Residence
    Built in 1981
    -- sqft lot
    $-- Zestimate®
    $823/sqft
    $1,622/mo HOA

    What's special

    Loft-guest bedroom with bathGranite or marble countersWater view balconyQuality cabinetry and appliancesDriveway of stone paversThoughtfully landscaped yard
    Water Wings cottage is waterfront, two-stories with Master on the first floor. The open first floor plan allows water views from the kitchen and living/dining areas which open onto a covered/screened porch and an open deck. The second floor features a loft-guest bedroom with bath, and a water view balcony. Both the interior and exterior have been renovated to first class quality. Exterior is Hardi Board, roofing is aluminum and decks are wood. Naturally the construction meets all windstorm resistance codes as the developer is a well-known contractor that has completed numerous high quality homes and renovations on the island over the past 20 years. Interior finishes include granite or marble counters, quality cabinetry and appliances. The entrance to the home is from a driveway of stone pavers and a thoughtfully landscaped yard. There is a shared storage room, a new propane generator and a 500-gallon propane tank. In addition to these fine features, Village owners recently were treated to significant road improvement of layered gravel, and heavily landscaped with mature palms of all types, creating a beautiful, tropical boulevard access. Recently completed multi-family dockage is just steps away and accommodates boats up to 24’. This home is located in the Useppa Village neighborhood on the western shore of the reimagined and redeveloped, private Useppa Island. Featuring the Useppa Island Club and Marina, Useppa Village owners enjoy all the services and amenities of a small town. Useppa is a bridgeless island ensuring privacy and solitude. Yet, there is an active lifestyle of boating and sporting activities for any that wish to participate. The island is known for its outgoing community of residents, and with only 118 homes, the nature of the island will not deviate from the tropical luxury and Old Florida ambiance that create this special place in the sun.
    79 days
    |
    248
    |
    6
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    Zillow last checked: 7 hours ago

    Listing updated: February 17, 2026 at 11:34am

    Listed by:

    Brian McColgan 239-410-7850,

    UIP Property Company LLC

    Source: Florida Gulf Coast MLS,MLS#: 2025024636MLS LogoOriginating MLS: Florida Gulf Coast

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 2
      • Full bathrooms: 2
      Rooms
      • Room types: Other, Screened Porch
      Primary bedroom
      • Description: Master Bedroom
      • Dimensions: 13.00 x 13.00
      Bedroom
      • Description: Bedroom
      • Dimensions: 15.00 x 10.00
      Great room
      • Description: Great Room
      • Dimensions: 16.00 x 22.00
      Kitchen
      • Description: Kitchen
      • Dimensions: 11.00 x 10.00
      Screened porch
      • Description: Lanai
      • Dimensions: 12.00 x 15.00
      Screened porch
      • Description: Lanai
      • Dimensions: 20.00 x 7.00
      Screened porch
      • Description: Lanai
      • Dimensions: 8.00 x 10.00
      Screened porch
      • Description: Lanai
      • Dimensions: 21.00 x 15.00
      Utility room
      • Description: Utility Room
      • Dimensions: 8.00 x 12.00
      Heating
      • Central, Electric, Zoned
      Cooling
      • Central Air, Ceiling Fan(s), Electric
      Appliances
      • Included: Dryer, Dishwasher, Electric Cooktop, Freezer, Disposal, Ice Maker, Microwave, Refrigerator, RefrigeratorWithIce Maker, Self Cleaning Oven, Washer
      • Laundry: Inside
      Features
      • Breakfast Bar, Built-in Features, Bedroom on Main Level, Family/Dining Room, French Door(s)/Atrium Door(s), Living/Dining Room, Pantry, Shower Only, Separate Shower, Vaulted Ceiling(s), Window Treatments, High Speed Internet, Split Bedrooms, Other, Screened Porch
      • Flooring: Laminate
      • Doors: French Doors
      • Windows: Bay Window(s), Double Hung, Tinted Windows, Thermal Windows, Impact Glass, Window Coverings
      • Furnished: Yes
      Interior area
      • Total structure area: 1,556
      • Total interior livable area: 1,366 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 1
      • Parking features: Attached, Driveway, Garage, Golf Cart Garage, Paved, Two Spaces
      • Attached garage spaces: 1
      • Has uncovered spaces: Yes
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Balcony, Deck, Lanai, Open, Porch, Screened
      • Exterior features: Deck, Security/High Impact Doors, Outdoor Grill, Storage, Shutters Electric, Gas Grill
      • Has view: Yes
      • View description: Bay, Mangroves
      • Has water view: Yes
      • Water view: Bay
      • Waterfront features: Bay Access, Mangrove, Navigable Water, Across the Road Water Frontage
      Lot
      • Size: 2,352.24 Square Feet
      • Dimensions: 30 x 82 x 21 x 83
      • Features: Rectangular Lot, Cul-De-Sac
      Details
      • Additional structures: Guest House Attached
      • Parcel number: 0944210200010.00A0
      • Lease amount: $0
      • Zoning description: RM-2
      • Other equipment: Satellite Dish

      Construction

      Type & style
      • Home type: MultiFamily
      • Architectural style: Two Story,Stilt,Traditional,Duplex
      • Property subtype: Duplex, Single Family Residence
      • Attached to another structure: Yes
      Materials
      • Other, Wood Frame
      • Foundation: Pillar/Post/Pier, Raised
      • Roof: Metal
      Condition
      • Resale
      • Year built: 1981

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Not Available, Natural Gas Available, Underground Utilities

      Community & HOA

      Community
      • Features: Boat Facilities, Tennis Court(s), Street Lights
      • Security: None, Smoke Detector(s)
      • Condo and coop fee: $0
      • Membership fee: $473 monthly
      • Subdivision: USEPPA ISLAND
      HOA
      • Has HOA: Yes
      • Amenities included: Bocce Court, Boat Dock, Marina, Clubhouse, Fitness Center, Private Membership, RV/Boat Storage, Restaurant, Boat Slip, Tennis Court(s), Trail(s)
      • Services included: Association Management, Legal/Accounting, Recreation Facilities, Road Maintenance, Street Lights, Trash
      • HOA fee: $1,622 monthly
      • HOA phone: 239-283-1061
      Location
      • Region: Useppa Island

      Financial & listing details

      • Price per square foot: $823/sqft
      • Tax assessed value: $643,376
      • Annual tax amount: $9,722
      • Date on market: 1/9/2026
      • Cumulative days on market: 52 days
      • Listing terms: Cash
      • Ownership: Single Family
      • Road surface type: Gravel
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        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        Price history
        DateEventPrice
        1/9/2026Listed for sale$1,124,900+204%$823/sqft
        Source: Florida Gulf Coast MLS #2025024636 Report a problem
        7/31/2020Sold$370,000-4.9%$271/sqft
        Source: Florida Gulf Coast MLS #220000259 Report a problem
        5/22/2020Pending sale$389,000$285/sqft
        Source: Premier Sotheby's Int'l Realty #220000259 Report a problem
        1/2/2020Price change$389,000-1.5%$285/sqft
        Source: Premier Sotheby's International Realty #220000259 Report a problem
        2/28/2019Listed for sale$395,000+140.9%$289/sqft
        Source: Premier Sotheby's Int'l Realty #219002094 Report a problem
        10/21/1997Sold$164,000$120/sqft
        Source: Public Record Report a problem

        Public tax history

        Public tax history
        YearProperty taxesTax assessment
        2025$10,024 +18.1%$643,376 +18.1%
        2024$8,487 +2.6%$544,879 +9.1%
        2023$8,274 +13.8%$499,369 +10%
        2022$7,271 +27.6%$453,972 +15.2%
        2021$5,696 +26.7%$393,922 +15.4%
        2020$4,495 +1.5%$341,378 -6.3%
        2019$4,427 $364,176 +11.2%
        2018$4,427 +1.1%$327,481 +2.1%
        2017$4,381 -0.9%$320,745 +2.1%
        2016$4,421 +0.9%$314,148 -1.6%
        2015$4,384 -5.2%$319,395 -27.7%
        2014$4,625 -24.3%$441,806 +10.8%
        2013$6,111 -3.6%$398,809 -11.9%
        2012$6,340 +2.6%$452,883 -23.1%
        2011$6,178 -0.5%$589,197 0%
        2010$6,207 +4.6%$589,362 -5.6%
        2009$5,936 +9.6%$624,110 -2.1%
        2007$5,416 +10%$637,630 +3.6%
        2006$4,922 -19.5%$615,230 +56.5%
        2004$6,117 -3.4%$393,190 +9.6%
        2003$6,331 +4.2%$358,620 +2.1%
        2002$6,078 $351,190 +50.5%
        2000-- $233,310

        Find assessor info on the county website

        BuyAbility℠ payment

        Est. payment
        $8,689/mo
        Principal & interest
        $5755
        HOA Fees
        $1622
        Property taxes
        $1312
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          Climate risks

          Neighborhood: Useppa Island

          Getting around

          2 / 100
          Car-Dependent
          49 / 100
          Somewhat Bikeable

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