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Offered at $950,000Active
beds
2
baths
3
sq ft
1,478
Built
1980

123 Useppa Island Is #Unit B

Useppa Island, FL 33921

About this home

Situated on the northwestern point of Useppa Island, "Whelk Cottage" is a 2-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), HVAC system (2024), and 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 most exclusive island communities.

Listing last checked: Listing updated:

Listed by Rogan White · Century 21 Sunbelt Realty · MLS #2026025926

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Details at a glance

Interior3 property facts
Heating
Central, Electric, Zoned
Cooling
Central Air, Electric, Zoned
Flooring
Tile, Wood
Building5 property facts
Style
Attached
Year built
1980
Garage
0
Foundation
Pillar/Post/Pier, Raised
Roof
Metal
Land & utilities3 property facts
Lot size
0.084 acres
Water
Public
Sewer
Public Sewer
Financial3 property facts
Annual taxes
$5,360
Assessment year
2025
HOA fee
$0 (billing period not supplied)

Location

Estimated monthly cost

Explore costs at the $950,000 asking price. Adjust the assumptions to your situation.

Known monthly costs$5,250 / monthAdjust
Principal & interest
$4,804
Property tax
$447
Insurance
Not entered
HOA
$0

Listing annual taxes: $5,360. Initial monthly tax is one twelfth of that amount. Listing HOA fee: $0.

Partial estimate: add insurance to include those costs. Blank amounts are unknown.

The initial 6.5% rate is illustrative, not a current rate or lender quote. Excludes utilities, maintenance, closing costs and mortgage insurance, which may apply with a down payment below 20%. Taxes and insurance can change.

More property insights

Comparable properties 3 supplied

Sold May 29, 2026

$1,025,000

114 Useppa Island Is #A

Sold Jun 20, 2026

$1,000,000

4006 Crayton Road #A-2

Sold Aug 14, 2026

$1,025,000

185 4th Street S

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About 123 Useppa Island Is #Unit B

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