Matlacha Homes under $500,000

Matlacha Homes under $500,000

Welcome to Matlacha, Florida – a hidden gem nestled in Lee County that offers a unique blend of natural beauty, artistic charm, and a vibrant community spirit. Known for its stunning waterfront views and colorful cottages, Matlacha is a quaint fishing village that captures the essence of Florida living. With its rich history and laid-back atmosphere, this picturesque locale is perfect for those seeking a peaceful retreat or an active lifestyle.

Matlacha is renowned for its artistic flair, with local galleries showcasing the work of talented artists and craftsmen. The streets are alive with color, thanks to the vibrant murals and whimsical decor that adorn the buildings. Outdoor enthusiasts will delight in the abundance of recreational activities available, from kayaking through the serene waters of Matlacha Pass to fishing off the docks or exploring the nearby wildlife preserves.

For homebuyers looking to embrace the Matlacha lifestyle, there are delightful properties available for under $500,000. These charming homes offer a range of options, from cozy cottages to modern waterfront residences, ensuring that you can find the perfect fit for your needs. Imagine waking up to the gentle sound of waves and enjoying sunsets from your own backyard, all while being part of a friendly and welcoming community.

Whether you're a first-time buyer, a retiree, or looking for a vacation home, Matlacha offers an irresistible combination of affordability, beauty, and a vibrant lifestyle. Come discover your dream home in this enchanting coastal paradise!

Newest Matlacha Homes under $500,000

2644 Cajuput Street, Matlacha
$350,000
1 Beds ⋅ 1 Baths ⋅ 2026042287 MLS
This ultimate jewel of island retreats is located on colorful, artsy Matlacha and is in direct view of fantastic nightly sunsets! Check out this cute, carefree elevated cottage that boasts under home flex space, a metal roof, Hardie board siding, impact windows, private boat lift, islandy colors and wonderfully curated furnishings and decor! Come join a great community and island family that focuses not just on the outstanding fishing but also on water preservation and many types of water sports. Matlacha is known for its world class fishing, superb boating access and close proximity to the Great Calusa Blueway kayak and canoe paddling trails. You can lose yourself in nature observing Osprey, Bald Eagles, Dolphins, Stingrays, Roseate Spoonbills, Herons, and many other creatures..... The island of Matlacha truly steals your heart....come see for yourself and make this home your own.

2644 Cajuput Street, Matlacha
2607 Bayshore Drive, Matlacha
$439,000
2 Beds ⋅ 2 Baths ⋅ 2026036494 MLS
This BEAUTIFUL island home offers direct access to the Gulf of Mexico, from your private boat dock! Boasting 2 bedrooms, a den, and 2 full bathrooms, cathedral ceilings in the living room, a new 2021 roof, impact windows and doors, and an amazing waterfront lifestyle. This property is also on one of the best canals- with a 90-degree curve-  a natural break in the wake from the boating channel, ensuring your seawall and boat will have the highest level of protection. These still waters are a haven for our island birds and sea life. The AC and appliances were replaced between 2022-2024, so this home is all set for years to come. Choose this property for your perfect primary residence, second home, or an Airbnb investment property. The pride in ownership is guaranteed to make this a top contender. There is a vacant lot for sale next door. So don't miss this excellent choice in the artsy island community of Matlacha- celebrated as a top destination within the Greater Fort Myers Area.  Schedule your private showing today!

2607 Bayshore Drive, Matlacha
2623 2nd Street, Matlacha
$475,000
2 Beds ⋅ 2 Baths ⋅ 2026033202 MLS
Waterfront duplex in the heart of Matlacha. Live in one, rent the other, or run both as income properties. Two units, waterfront, direct gulf access. This setup gives you flexibility whether full-time, seasonal, or investment. This property has a rental track record, and the location puts you steps from Matlacha's restaurants, galleries, and incredible fishing. Start your morning with a paddle, grab fresh seafood nearby, and end the day on your own waterfront! Own a piece of historic Matlacha, generate income, and enjoy the laid-back island lifestyle that continues to draw visitors and residents back year after year. Schedule your private showing and explore the possibilities this distinctive waterfront property offers.

2623 2nd Street, Matlacha
4278 Pine Island Road NW, Matlacha
$394,900
2 Beds ⋅ 1 Baths ⋅ 2026032067 MLS
MATLACHA CHARM ALERT! Sitting on the Dock of the Bay — the Best Seat in the House! Welcome to your slice of paradise! This fully remodeled and beautifully updated coastal cottage offers never-ending views of the water and breathtaking sunsets — right from your own backyard. Whether you’re dreaming of a laid-back island lifestyle or looking for a fantastic vacation rental (VRBO) opportunity, this home is pure perfection. Two cozy bedrooms, one stylish bath, and an unbeatable location for anyone whose heart belongs to the water — boating, fishing, or simply soaking in the coastal beauty. Rebuilt after Hurricane Milton, this gem features all-new everything — including a brand-new dock and boat lift! Cast your line right from your dock and enjoy endless panoramic views where dolphins, manatees, and sea life make regular appearances. This is more than a home — it’s an experience. A magical waterfront retreat that radiates light, charm, and carefree island vibes. Join the friendly fishing and boating community of Matlacha and start living your best life on the bay! Assumable and affordabel flood insurance!

4278 Pine Island Road NW, Matlacha
11242 Matlacha Avenue, Matlacha
$409,000
1 Beds ⋅ 1 Baths ⋅ 2026031165 MLS
Experience the Matlacha island lifestyle from this charming historic home featuring direct water access, impact windows, a private garage, and an oversized yard. Located directly across from Matlacha Park and the public boat launch, this property places you just steps from historic downtown Matlacha, waterfront restaurants, art galleries, local shops, fishing, kayaking, and open-water adventures. Inside, the home offers stainless steel appliances, easy-care tile flooring, updated electrical, and a newer Florida room with peaceful views of the surrounding natural scenery. Impact windows add valuable storm protection, energy efficiency, and peace of mind. The oversized yard is a rare find in Matlacha, providing space for outdoor entertaining, gardening, recreational equipment, or future improvements. The garage and additional bonus square footage offer even more flexibility for storage, hobbies, or customization. Whether you are searching for a full-time residence, seasonal Florida escape, weekend fishing retreat, or income-producing rental property, this home offers an exceptional combination of location, waterfront access, character, and opportunity. Homes with direct water access in the heart of Matlacha are difficult to duplicate. Schedule your private showing today and see why this unique island property deserves your attention.

11242 Matlacha Avenue, Matlacha
2742 Bruce Street, Matlacha
$464,900
3 Beds ⋅ 2 Baths ⋅ 2026026235 MLS
YOUR MATLACHA WATERFRONT DREAM STARTS HERE – FULLY RENOVATED 3+DEN / 2 BATH – DIRECT GULF ACCESS! ALL HURRICANE IMPACT WINDOWS AND NEW ROOF - all the work has been mdone for you! Imagine waking up every morning to the calm of the water, sipping your coffee while boats drift by and the island comes to life. This beautifully updated waterfront home is not just a place to live it is a lifestyle you’ve been waiting for. Located in the heart of Matlacha, this 3 bedroom plus den, 2 full bath residence has been lovingly refreshed with a completely redone kitchen and brand-new bathroom with tile throughout, creating a bright, modern space that feels both stylish and welcoming. The open layout invites you to gather, relax, and entertain with ease. The den offers the flexibility today’s buyers crave your home office, reading retreat, or extra space for visiting friends and family. Every room is filled with natural light, making the entire home feel warm and connected to the outdoors. Step outside and you are instantly on island time. The property sits on an oversized lot, providing ample space for outdoor living, and there’s plenty of room on the side of the house for RV or boat parking. With direct access to Matlacha Pass, your days can be spent fishing at sunrise, kayaking through quiet canals, or cruising to nearby waterfront restaurants for dinner. This is the Southwest Florida lifestyle simple, relaxed, and unforgettable. Waterfront homes like this rarely become available in Matlacha, especially ones that are fully renovated and move-in ready. If you have been waiting for the right home, this is it.

2742 Bruce Street, Matlacha
2567 Cay Cove, Matlacha
$399,000
2 Beds ⋅ 2 Baths ⋅ 2026025826 MLS
Classic Matlacha Cottage on an oversize lot with deep water access! This completely renovated 2-bedroom, 1.5 bath classic comes FULLY FURNISHED and is nestled right in the heart of Matlacha. Not only is this home surrounded by world-class fishing, pristine gulf beaches, incredible native wildlife, it is also within walking distance to everything Matlacha has to offer including art galleries, restaurants and shops. This perfectly renovated home is the definition of coastal chill and features wood plank ceilings, tile throughout, beautiful new kitchen complete with quartz countertops, updated electrical with raised outlets, DenseGlass wallboard throughout, new washer and dryer and new water heater. Enjoy the incredible Matlacha sunsets and native wildlife from the back patio that along with the seawall was replaced in 2019! Roof is also a 2019! Come see this home today and start Living the Island Life!

2567 Cay Cove, Matlacha
2691 Geary Street, Matlacha
$495,000
2 Beds ⋅ 1 Baths ⋅ 2026022664 MLS
WELCOME TO YOUR MATLACHA FISHING PARADISE! Just four homes from the channel, this DIRECT GULF ACCESS waterfront retreat offers the laid-back island lifestyle that makes Matlacha one of Florida's most beloved boating communities. Known for its colorful art galleries, waterfront restaurants, and "Old Florida" charm, Matlacha delivers a Key West vibe without the Key West price tag. For ANGLERS & BOATERS, the location simply doesn't get much better! Cast a line right from your backyard and reel in snook, snapper, grouper, trout, sheepshead, and countless other species. Watch dolphins and manatees cruise through the channel behind the home while enjoying your morning coffee, then head out to the Gulf and Boca Grande in approximately 20-30 MINUTES BY BOAT. The composite dock with 10K BOATLIFT and separate kayak launch make boating a breeze! This home is very low maintenance with a stone front yard which also doubles as additional parking for all of your toys! Come see today and start Living the Island Life! Recent improvements include a NEW 2025 roof featuring premium 165 MPH wind-rated shingles, upgraded aluminum carport roofing, a FULLY REMODELED bathroom, NEW kitchen island and lower cabinetry, NEW stove and refrigerator, TILE ALL THROUGHOUT, washer and dryer, and fresh interior paint. The home also features a unique flood-conscious wall system with waterproof PVC materials designed to simplify future maintenance and restoration. Whether you're looking for a full-time residence, seasonal escape, or investment opportunity, this property offers the perfect blend of island charm, boating convenience, and peace of mind.

2691 Geary Street, Matlacha
2647 Pine Street, Matlacha
$299,000
2 Beds ⋅ 1 Baths ⋅ 2026016983 MLS
Discover your slice of paradise in the quiet fishing town of Matlacha Island. This charming 2 bedroom 1 bath home offers the perfect blend of island character and modern comforts. This home is a boaters dream with direct access with wood dock and boat lift out back along with a kayak rack for those AirBNB guest or avid fishermen. Step inside to an open & split floor plan with plenty of light. Newer roof, New cabinets and A/C with tile flooring throughout. Whether you're looking for a full time residence, vacation getaway, or investment opportunity, this Matlacha waterfront gem!! Nestled in prime location and walking distance to shopping, art galleries and restaurants, and just a short drive to Cape Coral & Fort Myers, this is a true old Florida Living with modern day convenience. Seller has an assumable flood policy of $2,663 due annually

2647 Pine Street, Matlacha
2650 Coco Plum Drive, Matlacha
$349,000
1 Beds ⋅ 1 Baths ⋅ 2026008266 MLS
This canal front residential property is located at 2650 Coco Plum Drive in Cape Coral, Florida, within the Matlacha area of Lee County. The property sits along a saltwater canal that provides access to surrounding waterways consistent with local conditions and navigational regulations. Matlacha is a coastal community positioned between Pine Island and the mainland, known for its compact layout, waterfront setting, and connection to nearby fishing areas and barrier islands. The residence on the property is a single story cabin style home featuring one bedroom and one bathroom. A garage is included, offering enclosed parking and storage. The garage is equipped with a hurricane rated garage door designed to meet applicable wind resistance standards. The home is situated on a canal front lot with established shoreline improvements that support marine use. Along the water frontage, a seawall was newly constructed in 2020. A dock and boat lift were also installed in 2020, providing direct access to the canal. The boat lift includes a canvas cover, which offers protection for a vessel when not in use. Water depth, vessel suitability, and navigability should be independently verified by prospective buyers based on intended use and seasonal conditions. The roof of the home was replaced in 2021 prior to Hurricane Ian. According to the information provided, the structure did not sustain roof damage during that storm. Buyers are encouraged to conduct their own inspections to confirm the condition and remaining service life of the roof and all other improvements. The canal system connected to the property leads toward open water areas that are commonly used for boating and access to nearby fishing flats and coastal waters. The waterways also provide routes for traveling by boat to nearby islands and beaches, subject to local regulations, tides, and weather conditions. No representation is made regarding travel times or water conditions. The property is located within walking distance of local dining establishments, retail shops, and art galleries in Matlacha. The area is known for its locally owned businesses and pedestrian friendly layout. This setting allows residents to access nearby amenities without reliance on long drives while remaining connected to the broader Lee County region. Road access to the property is provided by Coco Plum Drive, a maintained residential roadway. Utilities serving the home are consistent with other residential properties in the area, though buyers should verify specific service providers and availability. Any future modifications, expansions, or changes in use should be reviewed with Lee County and applicable local agencies to ensure compliance with zoning, building, and environmental regulations. This property may be suitable for buyers seeking a small waterfront residence with established marine infrastructure in a coastal Florida community.

2650 Coco Plum Drive, Matlacha
2631 Bayshore Drive, Matlacha
$439,000
3 Beds ⋅ 2 Baths ⋅ 2025020753 MLS
Welcome to 2631 Bayshore Drive, a classic Matlacha cottage that perfectly blends Old-Florida charm with the waterfront lifestyle this island is famous for. This beautifully maintained home offers three bedrooms, two bathrooms, and an inviting, open layout filled with natural light. The living room features a cozy fireplace, creating a warm focal point for gatherings. The kitchen and bathrooms have been thoughtfully updated, combining modern functionality with coastal style, while the home’s warm character and classic touches create a relaxing environment that instantly feels like home. Situated on a generous lot, the property offers an exceptional waterfront setup complete with a private boat dock and lift. From your backyard, you can step onto your boat and be cruising through Matlacha Pass within minutes, with direct access to the Gulf just pure boating convenience. Whether you enjoy fishing, island-hopping, or sunset cruises, this location is ideal for making the most of Southwest Florida’s world-class waters. A detached 1-car garage provides valuable storage and flexibility for island living, complementing the home’s effortless blend of charm and practicality. Living on Bayshore Drive places you right in the heart of one of Florida’s most colorful communities. You’re just a short walk or drive from Matlacha’s vibrant art galleries, quaint shops, waterfront restaurants, and beloved local attractions. The neighborhood offers a laid-back, welcoming atmosphere that captures the true spirit of island life.

2631 Bayshore Drive, Matlacha
2500 Harbor View Drive, Matlacha
$469,900
2 Beds ⋅ 2 Baths ⋅ 2025004776 MLS
FISHING ENTHUSIAST. DREAM ! Own a Piece of Waterfront Paradise on Matlacha Island! This is a fisherman's dream just minutes from open water ! Welcome to island living at its finest! This beautiful 2-bedroom, 1.5-bath waterfront home offers direct Gulf access with no bridges—a true dream for boating and fishing enthusiasts. Located in the heart of vibrant Matlacha, this charming property is ideal as a full-time island retreat or a relaxing second home. Step out your back door to your private boat lift with a protective canopy, making it easy to hit the water anytime while keeping your vessel safe from the elements. Whether you're heading out for a day of fishing or a sunset cruise, your boating lifestyle starts right here. Inside, enjoy a cozy and open layout designed for easy coastal living. Outside, you're just minutes from local dining, shopping, art galleries, and live entertainment—everything that makes Matlacha one of Southwest Florida’s most beloved island communities. Don’t miss this rare opportunity to own true waterfront paradise with direct access to open water and premium boating features. Schedule your private showing today and start living the island life! This home has Impact windows and doors, New roof in 2021, Screen enclosure and screened carport 2022

2500 Harbor View Drive, Matlacha
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