$950,000

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… Read More 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. Read Less

Courtesy of Rogan White, Century 21 Sunbelt Realty.

Listing Snapshot

Days Online

Last Updated

Aug 28, 2026

Property Type

Attached

Beds

Full Baths

Partial Baths

Square Ft.

1,478

Lot Size

0.08 Acres

Year Built

1980

MLS Number

2026025926

Additional Details

Appliances & Equipment

Dryer, Dishwasher, Freezer, Disposal, Microwave, Range, Refrigerator, SelfCleaningOven, Washer

Building

Built in 1980, Living area: 1478.0, Building faces East, 2 stories, Levels: Two, Entry level: 1, Construction Materials: VinylSiding, WoodFrame

Community

2 units in community, BoatFacilities, StreetLights

Cooling

CentralAir, Electric, Zoned

Disclosures

DeedRestriction, OwnerHasFloodInsurance, RvRestrictions

Doors

FrenchDoors

Exterior Features

Patio/Porch Features: Balcony, Deck, Lanai, Open, Patio, Porch, Screened, Deck, SecurityHighImpactDoors, Patio

Floors

Tile, Wood

Foundation

PillarPostPier, Raised

Heating

Central, Electric, Zoned

Home Owner's Association

Association Fee: $0, Fee Includes: RecreationFacilities, RoadMaintenance, StreetLights, Trash, Amenities: BocceCourt, Marina, FitnessCenter, Pickleball, PrivateMembership, Pool, Restaurant, BoatSlip, SpaHotTub, SeeRemarks, TennisCourts, Trails

Interior Features

BreakfastBar, BuiltInFeatures, BedroomOnMainLevel, DualSinks, FrenchDoorsAtriumDoors, Fireplace, LivingDiningRoom, MainLevelPrimary, ShowerOnly, SeparateShower, VaultedCeilings, WindowTreatments, SplitBedrooms

Laundry

Inside

Lot

0.084 acres, Dimensions: 23 x 141 x 34 x 134

Pets Policy

Allowed: Call, Conditional

Pool

Community

Property

Resale, Other structures: GuestHouseAttached, Bay, Mangroves, Water

Roof

Metal

Sewer

PublicSewer

Taxes

Parcel Number: 04-44-21-01-00001.023A, Public Survey Range: 21E, Public Survey Section: 04, Public Survey Township: 44, Annual Amount: $5,360.28, Tax Block: 1, Legal Description: COTTAGE SITES OF USEPPA IS SLY 1/2 SITE 23 AS DESC OR 1988/1026 OR 1207 PG 507, Lot: 23A, Year: 2025, Zoning description: RM-2

Utilities

CableNotAvailable, HighSpeedInternetAvailable, UndergroundUtilities, Water Source: Public

Water Features

AcrossTheRoadWaterFrontage

Windows

ImpactGlass, Shutters, WindowCoverings

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