Matlacha Homes under $1.25 million

Matlacha Homes under $1.25 million

Welcome to Matlacha, Florida—a vibrant gem nestled in Lee County that perfectly blends the charm of a quaint fishing village with the allure of coastal living. Known for its colorful buildings, artistic vibe, and friendly locals, Matlacha offers a unique lifestyle that attracts both residents and visitors alike. Whether you’re an avid fisherman, a nature enthusiast, or simply someone who appreciates stunning sunsets over the water, Matlacha has something special for everyone.

One of the most appealing aspects of this enchanting community is the availability of homes under $1.25 million. Here, you can find a diverse range of properties that cater to various tastes and lifestyles. From charming cottages that evoke the spirit of old Florida to modern waterfront homes that boast breathtaking views, there’s a perfect fit for every buyer. Imagine waking up in a cozy home, stepping out onto your patio, and sipping coffee while watching the dolphins play in the bay—this is the everyday magic of Matlacha.

Beyond the homes, Matlacha is a haven for outdoor enthusiasts. With easy access to the Gulf of Mexico, residents can enjoy boating, fishing, and kayaking in serene waters. The local art scene is also thriving, with galleries and studios showcasing the talents of local artists. Dining options abound, ranging from casual seafood shacks to upscale eateries, ensuring that every meal is a delightful experience.

Discover the charm of Matlacha and explore the incredible homes available under $1.25 million. Your dream coastal lifestyle awaits!

Newest Matlacha Homes under $1.25 million

2691 Geary ST, Matlacha
$495,000
2 Beds ⋅ 1 Baths ⋅ 2026047712 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 ST, Matlacha
2629 Coco Plum DR, Matlacha
$285,000
1 Beds ⋅ 1 Baths ⋅ 2026046971 MLS
TWO PARCELS, ONE INCREDIBLE ISLAND OPPORTUNITY! ADJACENT VACANT LOT NOW INCLUDED! Discover your own slice of Old Florida paradise in the heart of Matlacha, where colorful island charm, spectacular fishing, and endless boating adventures are part of everyday life! This beautifully remodeled and furnished waterfront cottage offers the perfect blend of coastal character, modern improvements, and an unbeatable location just seconds from open water. Whether you're searching for a personal island escape, weekend fishing retreat, or vacation rental investment, this property delivers an exceptional opportunity with the ADDED VALUE OF THE ADJACENT VACANT LOT INCLUDED IN THE PRICE! Step inside this inviting coastal getaway, thoughtfully refreshed and designed for easy, low-maintenance island living. Freshly painted inside and out in January 2026, the home features numerous upgrades, including a brand-new mini-split system, updated appliances with a new stove and updated fixtures. Built with durability in mind, the lower four feet of the interior feature resilient Hardie board, PVC trim, stainless steel fasteners, and closed-cell spray foam insulation for added protection and energy efficiency. A NEW METAL ROOF AND SEAWALL INSTALLED IN 2021 provide additional value. Outside, the laid-back waterfront lifestyle takes center stage! Enjoy the coastal breezes, relax on the lanai with included furnishings, or head out on the water at a moment's notice. Spend your mornings exploring the incredible fishing grounds of Southwest Florida, your afternoons cruising the surrounding waterways, and your evenings soaking in breathtaking island sunsets. AND HERE'S THE BONUS THAT MAKES THIS PROPERTY TRULY SPECIAL! The adjacent vacant lot directly to the west at 2637 Coco Plum (Parcel ID 24-44-22-05-00000.0870) is INCLUDED in the sale! This additional parcel opens the door to greater flexibility, with potential space for boat trailer storage, extra parking, outdoor entertaining, or future possibilities, subject to applicable regulations. Nestled in the heart of historic Matlacha, this property puts you amid one of Southwest Florida's most distinctive waterfront communities, known for its vibrant artistic spirit, eclectic island atmosphere, and world-class fishing. As Matlacha continues its revitalization, this charming waterfront retreat offers an exciting opportunity to become part of its next chapter. MORE LAND. MORE POSSIBILITIES. MORE ISLAND LIVING! Opportunities to own a remodeled waterfront cottage with an additional adjoining parcel don't come along every day. Bring your boat, embrace the island lifestyle, and make this Matlacha getaway your very own piece of paradise!

2629 Coco Plum DR, Matlacha
11274 Matlacha AVE, Matlacha
$925,000
5 Beds ⋅ 5 Baths ⋅ 2026046081 MLS
Some vacation stays offer walls and a bed.. others like the Angler’s Inn offer an opprutunity to step into a completely different world. Welcome to Matlacha where a tradition of fishing and waterfront living meet art and creativity. This Historic fisherman’s camp has been a working “boatel” for over 20 years. Guests wake to pelicans in the mangroves while they sip coffee on their back patios. Kayak with dolphins, manatees and other sea life, and fish for snook, redfish, and tarpon during the day or take in the local shops just steps away. Then enjoy blaze red skies and breathtaking sunsets in the evening after dining on local seafood at one of the local restaurants. The property offers over 150’ of canal just a stones throw from the community boat ramp. Multiple opportunities for additional income exist including boat docking, apparel sales, art sales, kayak rentals, boat tours, etc. This unique direct gulf access property offers 4 guest rooms and a flexible cottage. The cottage could be an office, owners quarters, or a 5th rental. Sale includes the established business with many loyal guests. Own the history, embrace the island life and continue the tradition. Sale includes parcel 24-44-22-03-00001.0040 at 11282 Matlacha Ave, the business and its assets, and all future bookings.

11274 Matlacha AVE, Matlacha
2605 1st ST, Matlacha
$440,000
2 Beds ⋅ 1.5 Baths ⋅ 2026045796 MLS
Your boat out back. Matlacha’s shops and restaurants nearby. A historic fisherman’s cottage to call your own. Completely renovated and fully furnished, this waterfront retreat blends classic island character with the comforts of an updated home. Direct Gulf access with no bridges puts Southwest Florida’s coastal waters within reach from your private dock and 10,000-pound boat lift. Spend the day fishing, cruising or exploring, then return for dinner nearby and a relaxed evening by the canal. Set on a waterfront corner lot, this two-bedroom cottage offers one full bath, one half bath and approximately 1,050 square feet of welcoming living space. Enjoy Matlacha’s distinctive mix of local shopping, art and dining, with near-by Pine Island and Cape Coral offering even more to explore. Looking for a personal getaway with rental potential? The furnished setup, waterfront amenities and island location create an appealing opportunity to explore, subject to applicable rental regulations. Make it your year-round home, seasonal escape or potential income-producing retreat—and make Matlacha’s waterfront lifestyle part of your next chapter.

2605 1st ST, Matlacha
2756 Velma ST, Matlacha
$629,000
3 Beds ⋅ 2 Baths ⋅ 2026045222 MLS
This unique 2-story Matlacha home offers plenty of space and privacy for the whole family! Situated on 75 ft of direct, no bridge, deep water Gulf access, this home is surrounded by world-class fishing, pristine gulf beaches and incredible native wildlife. Located in the heart of Matlacha, it is within walking distance to everything Matlacha life has to offer including art galleries, restaurants and shops. This 2-story island home features a 2 bed/1 bath first story AND a 1 bed/1 bath 574 sqft mother-in-law quarters on the second story. Each living space has its own kitchen and laundry providing ultimate privacy for guests and family! The first floor of this island home has been beautifully remodeled including updated kitchen complete with stainless appliances and Corian countertops, fresh interior paint, updated electric and tile throughout. The huge 500 sqft enclosed porch has tons of possibilities and would make a great game room or extra outdoor living space. The second story of this home offers complete privacy and is a great extra space for family or house guests. It offers an abundance of windows, great for looking down the canal and letting in the natural light. Higher ceilings give the space a light and airy feeling as well! The 2024, 682 sqft dock really sets this home apart and makes accessing life on the water a breeze! The composite dock spans the entire 75ft of property. There are two lifts, a 10k lift able to accommodate a large boat as well as a kayak platform. There is also a kayak storage rack for convenience. This home has no shortage of storage options. There are 2 separate garage spaces, one currently being used as a workshop. The driveway is oversized, offering ample parking space for your toys or larger vehicles. Some of the storm ready upgrades include 2026 flood barrier system, impact windows, and a 2022 roof. Other great attributes of this home include a whole home water filter system, new Bahama shutters and fresh exterior paint job. Come see this truly unique island home today and start Living The Island Life!

2756 Velma ST, Matlacha
2566 2nd ST, Matlacha
$425,000
2 Beds ⋅ 2 Baths ⋅ 2026043833 MLS
Gulf access, rental income, and the colorful charm of Matlacha—all in one property. This updated duplex features two 1-bedroom, 1-bath units just steps from the island’s shops, galleries, and restaurants. One unit currently has an annual tenant, while the other operates as a vacation rental, offering flexibility for an investor or an owner who wants to live in one side and rent the other. Both units feature stainless steel appliances, tile flooring throughout, and freshly painted interiors. The entire duplex underwent mitigation and updates in 2024. Side A features concrete or Durock wall surfaces, while Side B features fiber-cement board along the lower four feet of the walls. Side B has been used as a successful vacation rental for many years and has excellent reviews online with many renters returning to visit the island year after year. A private dock and Gulf access make it easy to enjoy the surrounding waterways, with a community boat ramp providing additional boating convenience. Whether you’re looking for an income-producing property, an island getaway, or a combination of both, this Matlacha duplex offers a compelling opportunity to make waterfront ownership work for you. Seller willing to offer financing to well qualified buyers.

2566 2nd ST, Matlacha
2607 Bayshore DR, Matlacha
$425,000
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, 2 full bathrooms, cathedral ceilings in the living room, and a kitchen with water views. New roof in 2021, impact windows and doors, and with the AC and kitchen appliances updated between 2022-2024, this home will provide major savings on utility bills and zero hassle for years to come. Choose this property for your perfect primary residence, second home, or as an Airbnb investment property where there is no HOA. The pride in ownership and tasteful design choices are guaranteed to make this a top contender. Can be sold furnished! Inquire now, and 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 DR, Matlacha
2574 Bayshore DR, Matlacha
$625,000
2 Beds ⋅ 2 Baths ⋅ 2026033260 MLS
Waterfront living in Matlacha has a special rhythm, and this Island Harbors pool home captures it beautifully. Set along a wide canal with Gulf access, this 2-bedroom plus den, 2-bath ranch offers the kind of indoor-outdoor lifestyle Southwest Florida buyers come here to enjoy. Start the day with coffee by the water, spend the afternoon by the screened pool, or head out from your private dock with boat lift, electric and water available dockside. Inside, the home is bright, relaxed, and thoughtfully updated with an open great-room layout, abundant natural light, impact-resistant windows, recessed lighting, crown molding, shiplap accents, built-in cabinetry, tile and wood-look flooring, and French doors that keep the waterfront setting in view. The open-concept kitchen adds style and function with a center island, pendant lighting, two-tone cabinetry, light countertops, a black undermount sink, and stainless-steel appliances. Outdoor living is the highlight, with a screened lanai, covered patio, brick-paver pool deck, composite waterfront deck, northwest rear exposure, and peaceful water views. With no HOA fees, negotiable furnishings, in-residence laundry, central electric comfort, and a location in one of Matlacha’s boating communities, this canal-front home delivers a polished take on the Florida island lifestyle. Schedule your private showing today.

2574 Bayshore DR, Matlacha
4819 Pine Island RD NW, Matlacha
$640,000
2 Beds ⋅ 2 Baths ⋅ 2026033426 MLS
Beautiful custom cottage with open water views and incredible gulf access. This is a fully custom, renovated and restored property that proves the resiliency and spirit of this special little island. Designed specifically to be supported on helical pilings when it was built, this property also boasts cement board siding, impact doors and windows, metal roof, weather-proof composite trim and decking and a new seawall with extended side support tiebacks. The attention paid to the storm-proofing of this property gives peace of mind in protecting its gorgeous design and contents while still enabling expansive open water views and incredible gulf access. From one-of-a-kind tile design and light fixtures to a highly functional layout, this home is like a jewel box with the “extras” that will delight! On the main street of Matlacha and within walking distance of this special home are restaurants, shops, and the community park with boat and kayak launches.

4819 Pine Island RD NW, Matlacha
2623 2nd ST, 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 ST, Matlacha
2709 Clyde ST, Matlacha
$550,000
2 Beds ⋅ 2 Baths ⋅ 2026032087 MLS
Beautifully maintained 2-bedroom, 2-bath waterfront home offering a peaceful and relaxing coastal lifestyle with direct Gulf access. This move-in ready home features a bright living room, separate dining area, and an inviting layout designed for comfortable everyday living and entertaining. The boat lift has been meticulously maintained and is ready for your next adventure, while flood barriers for all openings are included, providing added value and peace of mind. Furniture included, making this an exceptional opportunity to move right in and start enjoying everything this waterfront home has to offer.

2709 Clyde ST, Matlacha
11242 Matlacha AVE, 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 AVE, Matlacha
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The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program (BR Program) of M.L.S. of Naples, Inc. Properties listed with brokerage firms other than this company are marked with the BR Program Icon or the BR House Icon and detailed information about them includes the name of the listing brokers. The properties displayed may not be all the properties available through the BR Program. The information provided is for consumers’ personal, non-commercial use and may not be used for any other purpose.

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