About This Home

This 2-bedroom, 3-bathroom single family at 123 Useppa Island #B in Useppa Island, FL is listed for $950,000 ($643 per sqft). Built in 1980, the home offers 1,478 sqft of living space on a 0.08 acres lot.

Key Features

  • Built in 1980
  • 0.08 acre lot
  • 2 stories
  • Fireplace

Property Details

2 stories
2 full, 1 half
#B
1980

Amenities

FireplaceViewA/C
Listing 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 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.

Monthly Cost Estimate

$5,081/mo

20% down · 6.5% · 30 years

Principal$687
Interest$4,117
Insurance$277

Estimates only. Actual payments may vary.

Location

123 Useppa Island #B

Useppa Island, FL 33921

USEPPA ISLAND

Features & Amenities

Interior Features

BreakfastBarBuiltInFeaturesBedroomOnMainLevelDualSinksFrenchDoorsAtriumDoorsFireplaceLivingDiningRoomMainLevelPrimaryShowerOnlySeparateShowerVaultedCeilingsWindowTreatmentsSplitBedrooms

Exterior Features

DeckSecurityHighImpactDoorsPatio

Property Details

Flooring

TileWood

Construction

VinylSiding WoodFrame

Views

Water

Outdoor Features

PorchPatioDeck

Heating

CentralZonedElectric (Heating)

Cooling

Central AirZonedElectric

Appliances

DryerDishwasherFreezerDisposalMicrowaveRangeRefrigeratorSelfCleaningOvenWasher

Questions & Answers

This 2-bedroom, 3-bathroom single family at 123 Useppa Island is listed at $950,000 ($643/sqft). The estimated monthly payment is $5,081 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1980, 0.08 acre lot, 2 stories, Fireplace. Interior Features: BreakfastBar, BuiltInFeatures, BedroomOnMainLevel. Exterior Features: Deck, SecurityHighImpactDoors, Patio.

This property is listed by Rogan White and can be reached at 2396711710.

RW

Rogan White

License 258023487

Agent at Century 21 Sunbelt Realty

(239) 671-1710
Agent website

Listed by Century 21 Sunbelt Realty · Broker phone: (239) 542-8611 · View on Broker Site · Broker website

MLS# 2026025926· Source: Florida Gulf Coast Multiple Listing Service, Inc.· 101 days on PropertySimple

Copyright © 2026 Florida Gulf Coast Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

123 Useppa Island #B, Useppa Island, FL 33921

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