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35 CORTEZ Avenue, Saint Augustine, FL, 32080

4beds
4baths
2,872sqft
$1,190,000
$414price/sqft
$7,984/moest. monthly cost
$319,360/yrincome needed

About This Home

Welcome to 35 Cortez within Cortez on the Water--an exclusive enclave of 30 luxury waterfront residences gracefully positioned along the Intracoastal Waterway. This beautifully appointed Swordfish floor plan offers captivating views of Salt Run, the Intracoastal, and the downtown skyline. Ideally located minutes from Anastasia State Park, award-winning restaurants, and the vibrant energy of coastal living, this residence delivers refined design and effortless luxury. This 2,872 sq ft three-story home includes a private in-unit elevator, deeded 40' boat slip with direct deep water access, and an oversized two-car garage. A grand, wide-plank staircase with a flared entry design creates an impressive first impression, while the paverstone driveway enhances the home's timeless coastal curb appeal. The first floor features a private guest suite or flexible entertainment space pre-plumbed for a wet bar (optional upgrade), a stylish full bath, a dedicated laundry room, and direct access to a covered patio with tranquil marina and water views. On the second floor, the spacious primary suite is its own retreat, offering a spa-inspired oversized bath, a large walk-in closet, and a private covered balcony overlooking the Intracoastal. Two additional bedrooms and a full bath complete this level. The third floor showcases a bright, fully open floor plan thoughtfully designed for effortless entertaining and everyday living. The gourmet kitchen features a waterfall-edge quartz island with ample storage, high-end stainless steel appliances, an electric range, and designer cabinetry. A casual dining nook off the kitchen opens to a private balcony with expansive views of the Intracoastal Waterway, heated pool, and the surrounding community. The open dining area flows seamlessly into the spacious living room, which extends onto a second covered balcony overlooking the marina and Intracoastal. Additional features include wide-plank wood flooring throughout, a tankless water heater, and pre-plumbing for a water softener in the garage. Stylish details and modern finishes enhance the residence's refined coastal character. Enjoy resort-style amenities including a waterfront pool, hot tub, private marina access, and a covered poolside lanai featuring ample counter space for serving and an island with bar seating perfect for effortless outdoor entertaining. Cortez on the Water offers timeless design, exceptional craftsmanship, and the best of coastal St. Augustine living. Select builder upgrades still available. *3D virtual tour is of a similar floor plan within the same building and is provided for layout and design perspective. Tour reflects a staged/furnished end-unit model; the 35 Cortez is an interior unit and is offered unfurnished. Finishes, views, and features may vary.

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
65
BikeBikeable

Schools

9/10
7/10
Sebastian Middle SchoolGrades 6-83.1 mi
5/10
St. Augustine High SchoolGrades 9-123.7 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2024

Materials

  • Construction materials: Concrete,Fiber Cement,Frame

Type & Style

  • Home type: Condo
  • Architectural style: Contemporary,Other
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Other,Dishwasher,Disposal,Electric Cooktop,Electric Oven,Microwave,Refrigerator,Tankless Water Heater
  • Laundry features: Lower Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Eat-in Kitchen,Elevator,Kitchen Island,Open Floorplan,Pantry,Primary Bathroom - Shower No Tub,Walk-In Closet(s)
  • Flooring: Wood

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 2,872 sqft

Property

Details

  • Parcel number: 2184310109
  • Attached to another structure: Yes
  • Zoning description: Residential

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Covered,Patio
  • Exterior features: Balcony,Boat Slip
  • Spa features: Community
  • Has view: Yes
  • View description: Intracoastal,Marina
  • Has water view: Yes
  • Water view: Intracoastal,Marina
  • On waterfront: Yes
  • Waterfront features: Intracoastal,Navigable Water

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • 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
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tornado
Tsunami

FEMA Declared Disasters in St. Johns County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $6,017$72,204
Home Insurance *$935$11,220
Property Taxes $743$8,916
Electricity $289$3,468
Total$7,984$95,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$273,737/yr
40% on housing$239,520/yr
45% on housing$212,906/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$414This listing

vs Other Active Listings

Avg $/sqft

ZIP 32080$341
St. Johns County$291

vs Homes Sold Last Month

Median $/sqft

ZIP 32080$356
St. Johns County$239

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)

No zestimate history available

Price History

DateEventPrice
2026-02-23Price change$1,190,000
2025-06-27Price change$1,250,000
2024-08-29Listed for sale$1,599,000

New Construction

AgentHILARIE DURRETT
BrokerageHOUSE & HAVEN

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