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  • $985,000

    303 Useppa Is #A, Useppa Island, FL 33921

    2beds
    1,575sqft
    : 
    Duplex, Single Family Residence
    Built in 1981
    -- sqft lot
    $819,700 Zestimate®
    $625/sqft
    $-- HOA

    What's special

    Recently renovated bathroomsSunset water viewsSweeping coastal viewsNew water heaterNew hvac systemTraditional fireplaceImpact-rated windows and doors
    Tucked away in a quiet, seldom-traveled enclave along the mid-western shoreline of Useppa Island, this private 2-bedroom, 2-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. The island’s private Club and common areas came under new ownership in late 2024 and are currently undergoing a multi-million-dollar renovation. Ownership of property on Useppa Island requires a Resident Membership with the Useppa Island Club & Marina. Buyers are encouraged to complete all due diligence regarding the Club’s policies, fees, and operations.
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    Zillow last checked: 8 hours ago

    Listing updated: January 08, 2026 at 02:04pm

    Listed by:

    Jim Fischer 239-349-6108,

    Century 21 Sunbelt Realty

    Source: Florida Gulf Coast MLS,MLS#: 2025012079MLS LogoOriginating MLS: Florida Gulf Coast

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    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 2
    • Bathrooms: 3
    • Full bathrooms: 2
    • 1/2 bathrooms: 1
    Rooms
    • Room types: Bathroom, Guest Quarters, Other, Screened Porch
    Heating
    • Central, Electric
    Cooling
    • Central Air, Electric
    Appliances
    • Included: Dryer, Dishwasher, Electric Cooktop, Freezer, Disposal, Microwave, Refrigerator, Self Cleaning Oven, Washer
    • Laundry: Inside
    Features
    • Breakfast Bar, Built-in Features, Bedroom on Main Level, Closet Cabinetry, Dual Sinks, Family/Dining Room, Fireplace, Living/Dining Room, Main Level Primary, Shower Only, Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s), Split Bedrooms, Bathroom, Guest Quarters, Other, Screened Porch
    • Flooring: Carpet, Other, Wood
    • Windows: Impact Glass
    • Has fireplace: Yes
    • Furnished: Yes
    Interior area
    • Total structure area: 1,807
    • Total interior livable area: 1,575 sqft
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    Property

    Features
    • Levels: Two
    • Stories: 2
    • Patio & porch: Balcony, Deck, Lanai, Open, Patio, Porch, Screened
    • Exterior features: Deck, Security/High Impact Doors, Other, Patio, Shutters Electric
    • Pool features: Community
    • Has view: Yes
    • View description: Bay, Landscaped, Mangroves, Water
    • Has water view: Yes
    • Water view: Bay,Water
    • Waterfront features: Bay Access, Mangrove, Navigable Water
    Lot
    • Size: 5,619.24 Square Feet
    • Dimensions: 95 x 78 x 49 x 112
    • Features: Oversized Lot
    Details
    • Additional structures: Guest House Attached
    • Parcel number: 0944210100003.003C
    • Lease amount: $0
    • Zoning description: RM-2

    Construction

    Type & style
    • Home type: MultiFamily
    • Architectural style: Two Story,Duplex
    • Property subtype: Duplex, Single Family Residence
    • Attached to another structure: Yes
    Materials
    • Vinyl Siding, Wood Frame
    • Foundation: Pillar/Post/Pier, Raised
    • Roof: Metal
    Condition
    • Resale
    • Year built: 1981

    Utilities & green energy

    • Sewer: Public Sewer
    • Water: Public
    • Utilities for property: Cable Not Available, Underground Utilities

    Community & HOA

    Community
    • Features: Boat Facilities
    • Subdivision: USEPPA ISLAND
    HOA
    • Has HOA: No
    • Amenities included: Bocce Court, Marina, Fitness Center, Other, Private Membership, Pool, Restaurant, Spa/Hot Tub, See Remarks, Tennis Court(s), Trail(s)
    • Services included: Recreation Facilities, Road Maintenance, Street Lights, Trash
    • HOA phone: 239-283-1061
    • Condo and coop fee: $0
    • Membership fee: $473 monthly
    Location
    • Region: Useppa Island

    Financial & listing details

    • Price per square foot: $625/sqft
    • Tax assessed value: $748,325
    • Annual tax amount: $10,251
    • Date on market: 1/8/2026
    • Listing terms: All Financing Considered,Cash
    • Ownership: Single Family
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    Estimated market value

    $819,700

    $721,000 - $934,000

    $1,428/mo

    Price history

    Price history
    DateEventPrice
    1/8/2026Listed for sale$985,000+19.4%$625/sqft
    Source: Florida Gulf Coast MLS #2025012079 Report a problem
    4/13/2022Sold$825,000$524/sqft
    Source: Public Record Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax assessment
    2024$10,252 +15.6%$612,158 +10%
    2023$8,867 +19%$556,507 +17.6%
    2022$7,454 +19.9%$473,237 +10%

    Find assessor info on the county website

    BuyAbility℠ payment

    Est. payment
    $6,160/mo
    Principal & interest
    $4666
    Property taxes
    $1149
    Home insurance
    $345

      Climate risks

      Neighborhood: Useppa Island

      Nearby schools

      GreatSchools rating

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