Upper Captiva Homes under $700,000

Upper Captiva Homes under $700,000

Welcome to Upper Captiva, a hidden gem nestled in the heart of Lee County, Florida. This enchanting island paradise is accessible only by boat or ferry, offering a tranquil escape from the hustle and bustle of everyday life. With its pristine beaches, lush landscapes, and vibrant wildlife, Upper Captiva is the perfect place for those seeking a serene coastal lifestyle.

Upper Captiva is renowned for its stunning sunsets and crystal-clear waters, making it a favorite destination for boating, fishing, and beachcombing. The island's charming atmosphere is complemented by a friendly community that embraces the laid-back island life. Whether you’re looking for a vacation home or a permanent residence, Upper Captiva offers a variety of properties that cater to diverse lifestyles and budgets.

One of the most appealing aspects of this idyllic locale is the availability of homes priced under $700,000. Here, you can find delightful cottages and spacious family homes that perfectly capture the essence of island living. Imagine waking up to the sound of waves and the gentle breeze, all while enjoying the comfort of your own slice of paradise. Many of these homes boast modern amenities and are just a short stroll away from the beach, allowing you to fully immerse yourself in the coastal experience.

Whether you’re drawn to the allure of the ocean, the charm of the community, or the opportunity to invest in a property that offers both value and beauty, Upper Captiva is the ideal destination. Embrace the island lifestyle and discover your dream home in this picturesque corner of Florida today!

Newest Upper Captiva Homes under $700,000

370 Townhouse Lane Unit 65, Upper Captiva
$589,900
3 Beds ⋅ 2 Baths ⋅ 2026040242 MLS
Welcome to Sandy Toes Villa, where owning a piece of Southwest Florida paradise means trading traffic and busy streets for sandy paths, golf-cart rides, pristine beaches and true island living. Located on the exclusive, boat-access-only North Captiva Island, this beautifully updated 3-bedroom, 2-bath townhome offers the perfect combination of island getaway and proven vacation rental investment. Offered fully furnished and turnkey, Sandy Toes features impact windows and doors, tile flooring throughout, granite countertops, stainless steel appliances and tasteful updates throughout. Enjoy beautiful water views from the private lanai and easy access to the island’s beaches, with a golf cart available for purchase separately. Owners and guests enjoy access to the Safety Harbor Club and Island Club, with pools, tennis, pickleball, private beach access, kayaks, paddleboards, bikes and marina access. North Captiva also offers its own laid-back dining scene, including Mango’s Bar & Grill, Over the Waterfront and Mainstay/Barnacles, along with a private landing strip serving small aircraft—adding to the island’s truly unique accessibility and charm. Already established in a successful vacation rental program with $60,000+ in annual rental income, Sandy Toes offers the opportunity to own a piece of North Captiva while generating income when you're away. Barefoot beach days, boating, fishing, golf-cart adventures, waterfront dining and spectacular sunsets—this is Southwest Florida island living at its best! *Check out the virtual tour*

370 Townhouse Lane Unit 65, Upper Captiva
4561 Smugglers Drive, Upper Captiva
$624,900
2 Beds ⋅ 2 Baths ⋅ 2026039278 MLS
Adorable island cottage on beautiful North Captiva Island with classic beach style. This bungalow offers three sleeping rooms, making great use of the space. The living room and kitchen area are full of charm with tongue-and-groove wood walls, an authentic coastal retreat style. The two levels of decking are great for watching sunsets and gathering with the family. The home is located on a valuable oversized lot, just a short stroll or golf cart ride to the nearest beach access. Plenty of room to add on or install a large pool and outdoor entertainment area. Impact windows and sliders throughout, plus new hardie-board siding. Don't miss out on the chance to affordably obtain your beach house dream goal on this one-of-a-kind island!

4561 Smugglers Drive, Upper Captiva
4481 Escondidio Lane Unit 80, Upper Captiva
$565,000
3 Beds ⋅ 2 Baths ⋅ 2026020799 MLS
Wake Up in Paradise at Sunrise Bay on North Captiva Island! Picture this: the first light of dawn glistens across Pine Island Sound as you sip coffee on your screened porch, watching the world wake up in perfect peace. A gentle sea breeze slips through palm fronds, and within minutes, you can be out the door and onto your docked boat, sandy Gulf shoreline, or quiet nature trail. Sunrise Bay isn't just a townhome - it's your front-row seat to island life. This 3-bedroom, 2-bath townhome has been stylishly updated to deliver modern coastal comfort with a dose of Old Florida charm. Inside, sunlit living spaces, tasteful furnishings, and thoughtful upgrades create a warm, effortless retreat. The townhouse is entirely turnkey, with thoughtfully updated décor and furnishings so you can settle in and start enjoying your new island retreat immediately. Outside, you're just a short hop to the ferry landing, Dock Slips, Over the Waterfront Dining, and endless opportunities to fish, shell, kayak, or relax in total tranquility. For boaters, this property is a dream come true, with community docks that provide easy access to the Gulf for fishing trips, sunset cruises, or island-hopping adventures. If you prefer to keep your toes in the sand, pristine Gulf-side beaches are just a short golf cart ride away, making spontaneous beach visits part of your everyday life. Safety Harbor Club's included resort-style amenities, including the recently updated sparkling heated community pool, tennis & pickleball courts, a clubhouse, and waterfront dining, give you the best of vacation living right at home. Perfect for a personal island hideaway or an income-generating rental, Sunrise Bay blends laid-back luxury with unbeatable convenience. Properties with this level of charm, boat dockage, & water views don't usually last long at this price. Schedule a showing today and claim your place in paradise!

4481 Escondidio Lane Unit 80, Upper Captiva
370 Townhouse Lane Unit 60, Upper Captiva
$470,000
3 Beds ⋅ 2 Baths ⋅ 2026017061 MLS
End Unit With Harbor Views & Dock Access! Experience the tropical island waterfront lifestyle! This value-priced townhome offers shared dockage for your boat, and an unbeatable location just steps from the dockage, ferry landing, and club restaurant… because sometimes the outside is doing all the heavy lifting. Let’s be clear: the interior is authentically, unapologetically vintage. We’re talking original finishes, original fixtures, and décor. The kitchen and baths? Classic. The vibe? Beach Retro. The opportunity? Endless. But here’s the thing—this townhome is livable, functional, and ready for its next chapter. Whether you’re dreaming of a full renovation, a creative reimagining, or simply embracing the throwback charm (we won’t judge), this is your chance to start with a light-and-airy plan in an even better location. And what a location it is—end unit, harbor views, steps to dockage and kayak beach... and just a short distance to everything Safety Harbor Club has to offer. Enjoy access to a heated pool, tennis and pickleball courts, clubhouse dining, and private Gulf beach access where the sunsets are always in style (no renovation required). Bring your vision. Bring your contractor. Or bring your love for 1985. Either way, this is your chance to secure a waterfront foothold in an end unit at a price that leaves room for transformation. Don’t miss this unique before-and-after opportunity.

370 Townhouse Lane Unit 60, Upper Captiva
370 Townhouse Lane Unit 66, Upper Captiva
$490,000
3 Beds ⋅ 2 Baths ⋅ 2026010833 MLS
Priced to Sell! Positioned directly on the harbor in Safety Harbor Club, this waterfront townhome offers one of the most convenient dockside locations on North Captiva Island. With the boat docks less than 50 feet from your door, this home is ideal for those who want immediate access to boating and waterfront living. The layout is designed to capture excellent harbor views while providing comfortable island living. Light-filled interior spaces flow naturally to the outdoor covered screen porch, where you can watch boats come and go and enjoy the serene waterfront setting. As part of Safety Harbor Club, owners enjoy a full suite of amenities including a community pool, tennis & pickleball courts, clubhouse, on-site dining, & Gulf beach access. The nearby ferry landing makes travel simple while maintaining the peaceful, car-free charm of North Captiva. Whether used as a personal retreat or investment property, this harborfront townhome offers an exceptional combination of location, lifestyle, and boating convenience on one of Florida’s most unique barrier islands. There is a tenant currently in place until July 31, 2026.

370 Townhouse Lane Unit 66, Upper Captiva
370 Townhouse Lane 61, Upper Captiva
$510,000
3 Beds ⋅ 2 Baths ⋅ 2025026060 MLS
Steps from the water! You can hear the bay waters gently sloshing against the shoreline from the front deck. Enjoy beautiful bay views from the front screened-in deck and watch the boats come and go from Safety Harbor. Relax to the sounds of the cheerful sea birds that soar over Safety Harbor and watch the dolphins swim in the bay. This meticulously maintained townhouse has gorgeous views of Safety Harbor. New roof in 2023. The master suite has an updated bathroom with walk-in shower, and there is a peaceful screened-in sitting area right off the master bedroom. Two adorable bedrooms are upstairs, with sweeping bay views from one of the upstairs bedrooms. The lower area has brand new flooring, a laundry area, and full golf cart garage to park your golf cart (included). The community dockage is just steps away from the front door, with additional slips available at the community wharf where you will find a fish cleaning station and plenty of docks to fish from. Also steps away from the front door is a lovely bay beach where you can launch your kayak (included) or go fishing. Membership with Safety Harbor Club includes a community heated pool, tennis and pickle ball, private beach access, a restaurant on the water, clubhouse, and miles of pristine, uncrowded, white sugar-sand Gulf beaches. North Captiva is an island with no roads to it, so ride the bi-hourly Island Girl ferry from Pineland Marina to North Captiva and get around the island on golf carts. This unique feature of the island makes it particularly peaceful and attractive.

370 Townhouse Lane 61, Upper Captiva
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