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About This Home

This 4-bedroom, 4-bathroom single family at 128 Useppa Island in Useppa Island, FL is listed for $2,200,000 ($658 per sqft). Built in 1984, the home offers 3,341 sqft of living space on a 0.16 acres lot.

Agent Description

#128 "Twin Shores Cottage" is ideally positioned on the coveted north end of Useppa Island, offering captivating water views to both the east and west from much of the residence. Designed for comfortable island living, the spacious floorplan provides both functionality and privacy, while its elevated setting showcases expansive water views throughout.

There is no doubt that "Twin Shores" offers exceptional boating convenience, all within easy reach of Southwest Florida's most sought-after island destinations. The main living level features two en-suite guest bedrooms, a full kitchen, and a spacious living area overlooking the Useppa Marina basin to the west.

Sunset views extend far beyond the marina basin, with the Intracoastal Waterway and Cayo Costa State Park visible in the distance. The home's unique twin-water views can be enjoyed throughout the living area, whether looking east toward the sunrise or west toward the sunset.

Each guest bedroom also takes full advantage of its positioning, with one offering sunrise water views and the other showcasing sunsets over the water. Adjacent to the kitchen is a multi-sided screened porch that provides a tranquil setting to enjoy morning sunrises over the eastern waters.

Occupying the entirety of the third floor, the Primary Suite offers a private and functional retreat many would envy. The suite features a private balcony with bird's-eye water views to the west, a private office/den that could serve a variety of additional purposes, ample storage, and a well-appointed en-suite bathroom.

You and your guests will appreciate the independently arranged ground-level apartment, complete with its own en-suite bedroom, full kitchen, living room, screened porch, and laundry room. With separate exterior access from the primary residence, the design creates the opportunity to participate in Useppa's rental program as a one-bedroom rental unit, potentially helping offset carrying costs without sacrificing the privacy of the main home.

Ownership of "Twin Shores" includes the right to dock a vessel up to 24 feet at the Useppa Marina, conveniently located less than 100 yards from the back door. Also included is a private dock slip with a 10,000-pound boat lift located within a shared dock east of the property, less than 60 yards from the front door.

Both forms of dockage are visible from within the home, offering the peace of mind of being able to visually confirm your vessel's wellbeing at any given time without stepping outside. Whether welcoming the sunrise or unwinding at sunset, "Twin Shores" captures the essence of waterfront island living from every angle.

When investing in island real estate, location, elevation, views, and dockage are paramount. "Twin Shores" possesses all of these qualities with the potential to enhance them even further. Offered furnished with very few exceptions, it presents an opportunity to bring your boat and belongings to commence your newfound island lifestyle.

Key Features

  • Built in 1984
  • 0.16 acre lot
  • 2 stories

Property Details

2 stories
4 full
1984

Amenities

ViewA/C

Monthly Cost Estimate

$11,766/mo

20% down · 6.5% · 30 years

Principal$1,591
Interest$9,533
Insurance$642

Estimates only. Actual payments may vary.

Location

128 Useppa Island

Useppa Island, FL 33924

USEPPA ISLAND

Features & Amenities

Interior Features

BreakfastBarBuiltInFeaturesBedroomOnMainLevelBathtubTrayCeilingsDualSinksFamilyDiningRoomFrenchDoorsAtriumDoorsJettedTubLivingDiningRoomPantrySeparateShowerUpperLevelPrimaryWalkInClosetsWindowTreatmentsHomeOfficeSplitBedrooms

Exterior Features

DeckSecurityHighImpactDoorsPatioStorageShuttersElectric

Property Details

Flooring

WoodLaminateTile

Construction

VinylSiding WoodFrame

Views

Water

Pool Features

PatioDeckPorch

Heating

CentralElectric (Heating)

Cooling

Central AirElectric

Appliances

DoubleOvenDryerDishwasherElectricCooktopFreezerDisposalMicrowaveRefrigeratorWasher

Questions & Answers

This 4-bedroom, 4-bathroom single family at 128 Useppa Island is listed at $2,200,000 ($658/sqft). The estimated monthly payment is $9,533 based on 20% down at 6.5% interest.

Key features include: Built in 1984, 0.16 acre lot, 2 stories. Interior Features: BreakfastBar, BuiltInFeatures, BedroomOnMainLevel. Exterior Features: Deck, SecurityHighImpactDoors, Patio.

This property is listed by Jim Fischer and can be reached at 2393496108 or jim@jimfischerrealtor.com.

JF

Jim Fischer

Agent at Century 21 Sunbelt Realty

(239) 349-6108

Listed by Century 21 Sunbelt Realty · View on Broker Site

MLS# 2026021355· Source: listhub· Updated 20 days ago

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.

128 Useppa Island, Useppa Island, FL 33924

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