$1,074,900
520 Useppa Island
Captiva, FL 33924
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
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.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history33 days on market
- Status: ActiveMar 25, 2026
- Listed$1,124,900Mar 25, 2026
- Price reduced$1,074,900
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Half Duplex
- Status
- Active
- Days on market
- 33
- Subdivision
- Useppa Village
- County
- Lee
- Year built
- 1981
- Living area
- 1,366 sq ft
- Price/sq ft
- $787
- Building area
- 1,556 sq ft (Public Records)
- Lot size
- 2,352 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- A8
- Annual taxes
- $10,024 (2025)
- Parcel #
- 09-44-21-02-00010.00A0
- Zoning
- RM-2
- MLS #
- C7523816
Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Laminate
- Appliances
- Built-In Oven, Cooktop, Dishwasher, Disposal, Microwave, Range, Range Hood, Refrigerator, Washer, Water Filtration System
- Interior features
- Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Thermostat, Window Treatments
- Laundry
- In Kitchen
- Stories / Levels
- Two
- Direction faces
- West
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air, Zoned
Parking
- Parking features
- Driveway, Electric Vehicle Charging Station(s), Ground Level, Off Street, Open
HOA & Financial
- HOA fee
- $504 / Monthly
- Monthly HOA
- $504/mo
- Total monthly fees
- $2,126/mo
- Total annual fees
- $25,512
- HOA name
- Evelyn
- CDD
- No
- Min lease term
- 1-7 Days
- Listing terms
- Cash
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Tenants must be Useppa Island Club members, or guest of a member.
- Approval process
- Application and referral
Exterior & Construction
- Exterior features
- Balcony, Courtyard, Hurricane Shutters, Lighting, Outdoor Grill, Private Yard, Storage
- Construction materials
- HardiPlank Type
- Roof
- Metal
- Foundation
- Stilt/On Piling
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Gravel
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Electricity Connected, Phone Available, Private, Propane, Sewer Connected, Underground Utilities, Water Connected
Community
- Pets allowed
- Dogs OK, Number Limit
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | 13x13 |
| Bathroom 1 | Second | 10x15 |
| Kitchen | First | 11x10 |
| Great Room | First | 20x19 |
| Balcony/Porch/Lanai | First | 21x15 |
| Balcony/Porch/Lanai | First | 20x7 |
| Balcony/Porch/Lanai | First | 12x15 |
| Balcony/Porch/Lanai | Second | 8x10 |
Listing Details
- Listing date
- 2026-03-25
- On market date
- 2026-03-25
- Original list price
- $1,124,900
- Occupant type
- Owner
- MLS area
- 33924 - Captiva
- Listing AOR
- Port Charlotte
- Status changed
- 2026-03-25
- Tax legal description
- USEPPA VILLAGE W 1/2 LOT 10 AS DESC IN OR 1570 PG 1214
Flood risk
See FEMA for this zone’s designation and insurance requirements.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
rom I-75 or US 41 take SR 78 (Pine Island Road) west to Stringfellow Road in the center of Pine Island. Turn right and continue north approximately 7 miles to the Useppa Shore Port, 8115 Main Street, Bokeelia. Alternately, your agent may pick you up in Four Winds Marina, also in Bokeelia and just before the bridge over Jug Creek.
More homes like this
Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is 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.
Based on information submitted to the MLS GRID as of April 27, 2026 at 12:23 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA