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About This Home

This 2-bedroom, 2-bathroom single family at 520 Useppa island in Useppa Island, FL is listed for $1,074,900 ($787 per sqft). Built in 1981, the home offers 1,366 sqft of living space on a 0.05 acres lot.

Agent Description

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.

Key Features

  • Built in 1981
  • 0.05 acre lot
  • 2 stories
  • Waterfront

Property Details

2 stories
2 full
1981

Amenities

WaterfrontA/C

Monthly Cost Estimate

$7,371/mo

20% down · 6.5% · 30 years

Principal$777
Interest$4,658
Insurance$314
HOA$1,622

Estimates only. Actual payments may vary.

Location

520 Useppa island

Useppa Island, FL 33924

USEPPA ISLAND

Features & Amenities

Interior Features

BreakfastBarBuiltInFeaturesBedroomOnMainLevelFamilyDiningRoomFrenchDoorsAtriumDoorsLivingDiningRoomPantryShowerOnlySeparateShowerVaultedCeilingsWindowTreatmentsHighSpeedInternetSplitBedrooms

Exterior Features

DeckSecurityHighImpactDoorsOutdoorGrillStorageShuttersElectricGasGrill

Property Details

Flooring

Laminate

Construction

WoodFrame

Pool Features

PorchDeck

Parking

GarageDriveway

Heating

CentralZonedElectric (Heating)

Cooling

Central AirElectricCeiling Fan(s)

Appliances

DryerDishwasherElectricCooktopFreezerDisposalIceMakerMicrowaveRefrigeratorRefrigeratorWithIceMakerSelfCleaningOvenWasher

Questions & Answers

This 2-bedroom, 2-bathroom single family at 520 Useppa island is listed at $1,074,900 ($787/sqft). The estimated monthly payment is $6,280 based on 20% down at 6.5% interest.

HOA fees are $1622/month.

Key features include: Built in 1981, 0.05 acre lot, 2 stories, Waterfront. Interior Features: BreakfastBar, BuiltInFeatures, BedroomOnMainLevel. Exterior Features: Deck, SecurityHighImpactDoors, OutdoorGrill.

This property is listed by Brian McColgan and can be reached at 2394107850 or brianmcc@useppa.com.

BM

Brian McColgan

Agent at UIP Property Company LLC

(239) 410-7850

Listed by UIP Property Company LLC · View on Broker Site

MLS# 2025024636· Source: listhub· Updated 162 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.

520 Useppa island, Useppa Island, FL 33924

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