Safety Harbor Club Homes under $1.25 million

Safety Harbor Club Homes under $1.25 million

Welcome to Safety Harbor Club, a hidden gem nestled in the picturesque Upper Captiva, Florida. This charming waterfront community offers an idyllic escape for those seeking tranquility and natural beauty, all while being just a stone's throw away from the vibrant Gulf of Mexico. With its lush landscapes and stunning views, Safety Harbor Club is the perfect setting for your dream home.

This exclusive development features a selection of beautifully designed homes, each exuding a unique blend of coastal charm and modern comfort. What makes Safety Harbor Club truly special is the opportunity to find your perfect abode without breaking the bank. With homes available for under $1.25 million, you'll discover a range of options that cater to diverse tastes and lifestyles, from cozy beach cottages to spacious family retreats.

Residents of Safety Harbor Club enjoy access to a wealth of amenities, including private beaches, scenic nature trails, and unparalleled opportunities for outdoor recreation. Whether you’re kayaking through the mangroves, fishing off the shore, or simply basking in the sun, the possibilities for adventure are endless.

Upper Captiva is not just a place to live; it's a lifestyle that embraces the beauty of nature and the warmth of a close-knit community. With its pristine surroundings and vibrant local culture, Safety Harbor Club invites you to experience the best of Florida living. Don't miss your chance to be part of this enchanting community—your dream home awaits!

Newest Safety Harbor Club Homes under $1.25 million

4470 Seagrape Bend Drive, Upper Captiva
$995,350
3 Beds ⋅ 2 Baths ⋅ 2026040980 MLS
2022 CONSTRUCTION. PRIVATE INTERIOR ELEVATOR. NEVER RENTED. VERY LOW INSURANCE COSTS. SAFETY HARBOR CLUB. A different kind of North Captiva opportunity. Built in 2022 to the building codes in effect at the time of construction, never rented and exceptionally lightly used, this solidly built, 3-bedroom island home combines newer construction, a private interior elevator and meaningful ownership advantages—all offered under $1 million. Start with the practical differences. Current property insurance costs are very low and the home has seen very limited occupancy without the wear associated with vacation-rental use. The private interior elevator with vestibule, wide clearances, lever handles and front-control appliances make the home particularly well suited for multigenerational living and aging in place. Designer Kohler fixtures, designer lighting and a recessed electric fireplace complement the interior. Outside, enjoy a roof deck with Gulf and Sound view corridors, new hot tub, under-house entertaining deck with custom cedar bar, professionally planned landscaping and buried propane serving the on demand water heater and stove. Safety Harbor Club membership provides access to private community boat dockage, tennis/pickleball courts and beach access approximately 1,000 feet away. A direct walking path connects the home to the newly renovated private community pool, approximately 200 feet away. Current $575/month club dues include water, upgraded wastewater/sewer service, trash pickup, community amenities and access to full-time onsite staff. Nearly new. Never rented. Interior elevator. Low insurance and maintenance costs. Safety Harbor Club. Offered below $1 million. For buyers wanting newer construction under $1 million on North Captiva, this is one to see now. Schedule a private showing and compare what 4470 Seagrape Bend offers.

4470 Seagrape Bend Drive, Upper Captiva
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
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
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