13 Comares Ave, Saint Augustine, FL, 32080
About This Home
Welcome to Cortez on the Water, where coastal elegance meets an effortless boating lifestyle. Nestled along the serene shoreline of Salt Run, this premier waterfront community offers more than just a home — it delivers a true nautical experience in the heart of historic St. Augustine. This beautifully appointed 4-bedroom, 3.5-bath residence showcases over $125,000 in premium upgrades, thoughtfully selected to elevate both style and functionality. The chef’s kitchen has been extensively enhanced with $30,000 in upgrades, complemented by $20,000 in high-end appliances, an upgraded quartz island, and refined cabinetry improvements. Throughout the home, tile flooring provides a clean, cohesive coastal aesthetic, while $70,000 in Design Center selections and finishes add a layer of sophistication and detail rarely found. Designed for both everyday comfort and entertaining, the open-concept living spaces are filled with natural light from expansive windows, creating an inviting and airy atmosphere. An elevator adds convenience, while multiple decks — both front and back — along with a covered rear porch and outdoor kitchen offer ideal spaces for gathering and enjoying the waterfront setting. For boating enthusiasts, this property is truly exceptional. It includes a private 15-foot-wide deepwater boat slip, a $25,000 upgrade, complete with added pylons for secure tie-offs, water access, and upgraded power — providing seamless navigation to the Intracoastal and beyond. Here, sunrise views and spontaneous sunset cruises become part of your daily routine. Additional highlights include a spacious two-car garage featuring a durable Spartan epoxy-coated floor, blending practicality with polished presentation. Residents of Cortez on the Water enjoy exclusive community amenities including a private dock, deepwater access, and a sparkling community pool — all just minutes from the charm, dining, and culture of historic downtown St. Augustine. Experience refined coastal living where your boat is steps away and every day feels like a getaway.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 2022
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: Block,Frame,Stucco,Concrete Fiber Board
Type & Style
- Home type: Condo
- Property subType: Condominium
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Elevator,Ceiling Fan(s)
- Flooring: Tile
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 2,772
- Total interior livable area: 2,772 sqft
Master Bathroom
- Features: Shower Only
Master Bedroom
- Level: Second
Property
Details
- Parcel number: 2184310102
- Zoning: RG-1
Features
- Stories: 3
- Entry location: Ground Level
- Exterior features: Dock
- Spa features: Community
- On waterfront: Yes
- Waterfront features: Waterfront,Other,Navigable Water
Parking
- Total spaces: 2
- Parking features: 2 Car Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Hurricane
- Lightning
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in St. Johns County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,545 | $54,540 |
| Home Insurance * | $707 | $8,484 |
| Property Taxes | $1,163 | $13,956 |
| Electricity | $278 | $3,347 |
| Total | $6,693 | $80,316 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-05 | Price change | $899,000 |
| 2026-04-20 | Price change | $925,000 |
| 2026-03-05 | Listed for sale | $979,000 |
For Sale by Agent
View on Zillow