326 USEPPA ISLAND, CAPTIVA, FL, 33924
Active117 days on marketListed Mar 25, 2026MLS #C7523822
About this home
326 USEPPA ISLAND
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?
Facts & features
The home at a glance
0.28 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$6,040 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,040/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Useppa
Get to know Captiva. See the full Captiva guide →
Useppa — neighborhood snapshot
Population
12
Median age
38
Avg household
1
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Captiva market
$7.9M → $1.9M
Captiva median sold, yr/yr
This home is listed 75% below the CAPTIVA 33924 median. See the full Captiva market guide →
Paper trail
This home's history
Reality check
What actually sold near 326 USEPPA ISLAND
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,900,000
328 USEPPA
5 bd · 3.5 ba · 2,992 sqft · $635/sqft · 28 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 326 USEPPA ISLAND — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 326 USEPPA ISLAND — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
326 USEPPA ISLAND FAQs
What would the monthly payment be for 326 USEPPA ISLAND?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,040/mo — principal and interest, the actual property-tax bill, the $504/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 326 USEPPA ISLAND?+
The association fee works out to $504 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 326 USEPPA ISLAND?+
The most recent tax bill on record (2025) was $5,646. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 326 USEPPA ISLAND?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Captiva?+
At $850,000, this home is listed about 74% below the Captiva median of $3,279,000. The market section on this page shows how the area is trending.
Which schools are assigned to 326 USEPPA ISLAND?+
Mariner High School (high), Ida S. Baker High School (high), Cape Coral High School (high), The Sanibel School (elementary), Island Coast High School (high), North Fort Myers High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the CAPTIVA 33924 market on paper
$850,000 is 75% below the CAPTIVA 33924 median of $3,389,000.
02Park/Greenbelt & Water views
The park/greenbelt and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $504/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
117 days on market against a Captiva median of 1 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Mariner High School, Ida S. Baker High School, Cape Coral High School, The Sanibel School, Island Coast High School, North Fort Myers High School — The Sanibel School rates 5 of 5. Always verify assignments with the district.
Listing courtesy of UIP PROPERTY COMPANY LLC · Brian McColgan. MLS #C7523822.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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