326 Useppa Island, photo 1
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Overview

0 baLand
TypeLand
HOA$503.89/mo
Lot12,371 sqft

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Activity Core/CenterAssociation Recreation - OwnedBeach AreaDeed RestrictionsFitness CenterGolf Carts OKNo Truck/Rv/Motorcycle ParkingPool

326 Useppa Island is a home in Useppa Is Cottage Site Iii-26, Captiva. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $503.89 monthly.

From the listing

Located atop one of the tallest ridges in Lee County—possibly all of Southwest Florida—this building lot will offer impressive sunset views and sweeping water vistas stretching west and northwest toward Boca Grande Pass and beyond. The lot fronts the famous Pink Path extending from the north to south end of the primary island body and is proximate to historic archeological explorations and findings on Useppa Island. The Collier Inn restaurant, pool, tennis, bocce and croquet facilities are just a short stroll down the path, while your boat can be moored at the Useppa Marina, just 5 minutes on foot or one minute by golf cart. All public utilities are available and ready. Zoning allows either a single-family or two-family (duplex) structure and island covenants will require an Old Florida design. The site is in the X flood zone, above any potential storm surge. Homeowners on bridgeless Useppa Island are required to have membership in the Useppa Island Club and Marina. The 110-acre Sanctuary Island is a private community and members-only club. With no need for gates or walls, it is surrounded by water, in the pristine Pine Island Sound and Charlotte Harbor Aquatic Preserves of Southwest Florida. Geographically it is Located in the same chain of barrier islands as Sanibel-Captiva, North Captiva, Cayo Costa and Gasparilla Islands, one island east of the Gulf of America. Accessible only by boat (or aircraft), the commute to the mainland is in a special class of its own. Just a 15-minute boat ride will deliver you to Boca Grande or Pine Island, and thence to all “civilized” conveniences of the mainland. The commute is special in a way that you will never tire of it. Just think-you are not stuck in traffic, or waiting for a light to change, fretting over the packed roads ahead. You are just watching the dolphins play and the birds dive, waving to passing boats with smiling passengers, and all of them wave with more than one finger-joyfully! Yes, not like the mainland! You might be sitting next to one of your Useppa neighbors, the one that has not been in a grocery store for months, because all their goods are delivered to the Shore Port, where the staff will transport them to the island, and her home. Who said it is inconvenient when you don’t have roads?

The essentials

On market
204 days
Annual tax
$5,646
HOA
$503.89/mo
Flood zone
X · Low risk
Lot
12,371 sqft
Type
Land

At a glance

Land
Water views
Park/Greenbelt
Community pool
Fitness center too
0.28 acres
Lot size

Payment

Est. monthly payment
$5,833/mo
Down payment (20%)
$170,000
Property taxes
$471/mo
HOA
$503.89/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
12,371 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
204
Activity Core/Center
Association Recreation - Owned
Beach Area
Deed Restrictions
Fitness Center
Golf Carts OK
No Truck/Rv/Motorcycle Parking
Pool
Special Community Restrictions
Tennis Court(s)
Waterfront Complex
Street Lights
Flood Zone X
Annual Tax (2025)
$5,646
Parcel #
09-44-21-01-00003.0260

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Useppa Is Cottage Site Iii-26
County
Lee
MLS Area
33924 - Captiva
Lot Size
12,371 sqft
BuildableClearedHistoric DistrictIn CountyNear MarinaOversized LotSidewalkSlopedUnpaved
HOA
$503.89/mo
Evelyn

Price history

Date
Event
Price
7/17/2026
Price change
Source: Stellar MLS #C7523822
$850,000+13.3%
3/25/2026
Listed for sale
Source: Stellar MLS #C7523822
$750,000

Neighborhood

326 Useppa Island
Captiva, FL, 33924 · 33924 - Captiva

Calculator

Est. monthly payment
$5,833/mo
Principal & interest$4,433
Property taxes$471
Insurance$425
HOA$504
Down payment20% · $170,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$850,000

Time on market

204 days

Monthly payment

About $5,833/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,646 annual tax bill, insurance, and the $503.89/mo HOA fee.

HOA fee

$503.89/mo

Managed by Evelyn.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byUIP PROPERTY COMPANY LLCListing agent: Brian McColganListing data from Stellar MLS, MLS# C7523822.

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