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About This Home

This 2-bedroom, 3-bathroom single family at 303 Useppa in Useppa Island, FL is listed for $975,000 ($619 per sqft). Built in 1981, the home offers 1,575 sqft of living space on a 0.13 acres lot.

Agent Description

Tucked away in a quiet, seldom-traveled enclave along the mid-western shoreline of Useppa Island, this private 2-bedroom, 2.5 bath attached villa offers a rare sense of seclusion paired with sweeping coastal views. Oriented to the northwest, the residence overlooks the Intracoastal Waterway with panoramic sightlines stretching across Cabbage Key, Cayo Costa, Boca Grande Pass, and Gasparilla Island beyond.

The home features a thoughtfully designed "upside-down" floor plan, with two en-suite bedrooms located on the first level and the main living areas positioned above to fully capture the stunning water views. Upstairs, the kitchen, living room, and screened waterfront balcony create an inviting space for daily living and entertaining, while the lower-level bedrooms provide a quiet retreat at day's end.

Designed for comfort and peace of mind, the villa is equipped with impact-rated windows and doors, along with electric storm panels protecting the screened balcony. Tasteful updates are found throughout, including recently renovated bathrooms, a new HVAC system, and a new water heater.

Timeless wood flooring runs through the bedrooms, where classic finishes are complemented by the warmth and character of a traditional fireplace. Just beyond the living room, the screened balcony overlooks a protected basin and shared dock. The property includes a one-third ownership interest in the dock, granting use of a boat slip-an exceptional amenity for island living.

The dock sits just off the Intracoastal Waterway, with Cabbage Key less than a half-mile to the south. Cayo Costa State Park, renowned for its 7.5 miles of pristine Gulf beaches, is a short boat ride away via either Captiva Pass or Boca Grande Pass, both within four miles.

For many buyers seeking a true Florida island escape, sunset water views and private, deeded dockage rank at the top of the wish list. This residence offers both-providing a rare blend of convenience, beauty, and long-term investment security. Unit #303-A delivers these highly sought-after features in a thoughtfully finished, low-maintenance package.

Key Features

  • Built in 1981
  • 0.13 acre lot
  • 2 stories
  • Fireplace
  • Waterfront

Property Details

2 stories
2 full, 1 half
#A
1981

Amenities

FireplaceWaterfrontViewA/C

Monthly Cost Estimate

$5,215/mo

20% down · 6.5% · 30 years

Principal$705
Interest$4,225
Insurance$284

Estimates only. Actual payments may vary.

Location

303 Useppa

Useppa Island, FL 33924

USEPPA ISLAND

Features & Amenities

Interior Features

BreakfastBarBuiltInFeaturesBedroomOnMainLevelDualSinksFamilyDiningRoomFireplaceLivingDiningRoomMainLevelPrimaryShowerOnlySeparateShowerWindowTreatmentsSplitBedrooms

Exterior Features

DeckSecurityHighImpactDoorsPatioShuttersElectric

Property Details

Flooring

WoodCarpet

Construction

VinylSiding WoodFrame

Views

Water

Pool Features

PorchPatioDeck

Heating

CentralElectric (Heating)

Cooling

ElectricCentral Air

Appliances

DryerDishwasherFreezerMicrowaveRefrigeratorWasher

Questions & Answers

This 2-bedroom, 3-bathroom single family at 303 Useppa is listed at $975,000 ($619/sqft). The estimated monthly payment is $4,225 based on 20% down at 6.5% interest.

Key features include: Built in 1981, 0.13 acre lot, 2 stories, Fireplace, Waterfront. 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# 2026021257· Source: listhub· Updated 21 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.

303 Useppa, Useppa Island, FL 33924

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