$950,000
- 2
- beds
- 2 full · 1 half
- baths
- 1,478
- sqft
- 1980
- year built
- 2
- beds
- 2 full · 1 half
- baths
- 1,478
- sqft
- 1980
- year built
- Status:
- Pending With Contingencies
- MLS #:
- 2026025926
- Neighborhood:
- USEPPA ISLAND
- County:
- Lee
- Listed By:
- Rogan White - Premier Sotheby's Int'l Realty
- Agent Phone:
- (239) 671-1710
- Agent Email:
- barrierislandbroker@gmail.com
Sponsoring Broker: Derek Eisenberg, Continental Real Estate Group, Inc
On the northwestern point of Useppa Island, Whelk Cottage is a two-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), an HVAC system (2024) and a 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 exclusive island communities.
-
- Bedrooms
- 2
-
- Bathrooms
- 2 full · 1 half
-
- Year Built
- 1980
-
- Stories
- 2.0
-
- Architectural Style
- Two Story, Duplex, Villa Attached
-
- Construction Materials
- Vinyl Siding
-
- Foundation
- Pillar/Post/Pier
-
- Living Area
- 1478.0
-
- Interior Features
- Vaulted Ceiling(s), Breakfast Bar
-
- Appliances
- Dryer, Dishwasher, Microwave, Refrigerator, Washer, Range, Disposal, Oven, Freezer, Self Cleaning Oven
-
- Flooring
- Tile, Wood
-
- Furnished
- Partially
-
- Exterior Features
- Balcony, Tennis Court(s)
-
- Patio And Porch
- Patio, Deck, Screened
-
- Pool Features
- Community
-
- Cooling
- Zoned
-
- Heating
- Electric, Zoned, Central
-
- Acres
- 0.084
-
- Water Front Features
- Waterfront Access
-
- View
- Water, Bay
-
- Utilities
- Propane
-
- Area
- USEPPA ISLAND
-
- County
- Lee
-
- City
- Useppa Island
-
- Neighborhood
- USEPPA ISLAND
-
- Zip Code
- 33921
-
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Price History
| 06/17/2026 | Listed | $950,000 |
| Source: Multiple Listing Service of Bonita SpringsEstero #2026025926 | ||
| 06/17/2026 | Listed | $950,000 |
| Source: Florida Gulf Coast Multiple Listing Service #2026025926 | ||
| 06/17/2026 | Listed | $950,000 |
| Source: Naples Area Board of REALTORS #2026025926 | ||
Source: MLS Data
Deed History
| 03/24/1998 | Deed | $0 |
| 03/10/1997 | Warranty Deed | $502,500 |
Source: Public records via Constellation Data Labs
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Source: ez Home Search, MLS Data
Frequently Asked Questions
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How much is the monthly mortgage payment for 123 Useppa Is #UNIT B?
With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 123 Useppa Is #UNIT B at around $5,853. This includes estimated property taxes and insurance.
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Can I negotiate the asking price for 123 Useppa Is #UNIT B?
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What is the price per square foot for this home?
This home is listed at $950,000 with 1,478 sqft of space—that comes out to approximately $643 per square foot.
How long has this property been on the market?
123 Useppa Is #UNIT B was listed on June 17, 2026, which means it's been on the market for 150 days.
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When was this house built?
This home was built in 1980, making it approximately 46 years old.
What is the lot size of this property?
123 Useppa Is #UNIT B sits on a 0.08-acre lot, which is 3,485 square feet.
What are the property taxes for 123 Useppa Is #UNIT B?
The most recent public record shows annual property taxes for 123 Useppa Is #UNIT B were approximately $5,360. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.
Is 123 Useppa Is #UNIT B still available for sale?
This home is under contract, but may still accept backup offers. Click ♥ to track updates or connect with our local expert to see if it's still worth pursuing.
Source: ez Home Search, MLS Data
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Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Naples Area Board of REALTORS. All rights reserved.
Last Updated: November 14, 2026 at 05:28AM | Source: Naples Area Board of REALTORS | MLS#: 2026025926
