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73 CORTEZ Avenue, Saint Augustine, FL, 32080

4beds
4baths
0sqft
$2,095,000
--price/sqft
$13,837/moest. monthly cost
$553,480/yrincome needed

About This Home

Direct, uninterrupted Intracoastal views, a refined level of custom design and curated upgrades, and an upgraded deeded boat slip come together in this residence within Cortez on the Water, where a natural connection to the water carries throughout. Thoughtfully enhanced with a high level of custom detail and finish, and complemented by a private in-unit elevator connecting each level, the home reflects a balance of elevated design, functionality, and ease. The Intracoastal becomes a continuous presence, carried throughout the home with uninterrupted views that shape the experience at every turn. From the upper levels, the perspective opens to sky and horizon, while the rooftop terrace offers a more immersive vantage point where, on quieter evenings, the distant sound of ocean waves can be heard. For those who prioritize time on the water, the community marina provides deep-water, navigable access to the ocean, with a deeded slip enhanced by 50-amp service, expanded 15-foot width, and three additional pilings already secured for future configuration. Inside, the home reflects a cohesive, design-forward aesthetic shaped by extensive upgrades and carefully considered selections. Restoration Hardware lighting introduces architectural presence throughout, including a sculptural halo-style fixture above the expanded quartz island and a cascading vertical feature along the stairway that creates a soft interplay of light and texture. Upgraded flooring and refined finishes reinforce a clean, composed interior. The top-floor living space is defined by light, proportion, and orientation, anchored by a kitchen that balances presence with precision. A premium Viking appliance package includes a professional-grade range with custom hood, dual dishwashers, and integrated beverage and coffee stations with additional refrigeration and wine storage. The primary suite offers a quieter retreat, framed by water views and direct balcony access, and complemented by a custom-designed walk-in closet. A series of waterfront-facing balconies extends across each level, from the first through the third, each capturing expansive Intracoastal views, including one just off the kitchen and dining area where the St. Augustine Lighthouse comes into view. The rooftop terrace introduces an additional layer of living, while elevator access to every level reinforces ease and continuity throughout. Additional features include a whole-house generator, dual EV charging stations, and tankless water heating. Residents enjoy a private marina, waterfront pool and spa, and a setting just moments from historic downtown St. Augustine where dining, boutique shopping, and culture are part of the everyday landscape-as well as the beaches of Anastasia and Anastasia State Park, creating a lifestyle defined by both access and atmosphere. This is a residence where perspective, design, and access come together, offering a refined and complete waterfront living experience.

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

  • Property condition: Updated/Remodeled
  • 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: Dishwasher,Disposal,Double Oven,Dryer,Gas Range,Microwave,Refrigerator,Tankless Water Heater,Washer,Wine Cooler
  • Laundry features: Electric Dryer Hookup,In Unit,Lower Level,Washer Hookup

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Built-in Features,Ceiling Fan(s),Eat-in Kitchen,Elevator,Entrance Foyer,Guest Suite,In-Law Floorplan,Kitchen Island,Open Floorplan,Pantry,Primary Bathroom - Shower No Tub,Smart Thermostat,Walk-In Closet(s)
  • Window features: Impact Windows
  • Flooring: Tile,Wood

Heating & Cooling

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

Property

Details

  • Parcel number: 2184310127
  • Attached to another structure: Yes

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,Water
  • Has water view: Yes
  • Water view: Intracoastal,Marina,Water
  • 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 $10,593$127,116
Home Insurance *$1,647$19,764
Property Taxes $1,309$15,708
Electricity $288$3,462
Total$13,837$166,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$474,411/yr
40% on housing$415,110/yr
45% on housing$368,986/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 32080$338
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
2026-04-18Listed for sale$2,195,000

For Sale by Agent

AgentHILARIE DURRETT, HOUSE & HAVEN, WILLIAM H SHARP
BrokerageHOUSE & HAVEN

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