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47 CORTEZ Avenue, Saint Augustine, FL, 32080

4beds
4baths
2,872sqft
$1,999,000
$696price/sqft
$13,218/moest. monthly cost
$528,720/yrincome needed

About This Home

Welcome to 47 Cortez — the premier end unit within Cortez on the Water, an exclusive enclave of 30 luxury waterfront residences nestled on Anastasia Island along the Intracoastal Waterway. Capturing panoramic views of Salt Run, the Intracoastal, and the iconic St. Augustine Lighthouse, this coveted end-unit home is perfectly positioned just minutes from historic downtown, Anastasia State Park, and the city's most beloved coastal dining and attractions. This 2,872 sq ft three-story residence features a private in-unit elevator, deeded boat slip with deep water access, and an oversized two-car garage with sleek epoxy-coated flooring. A grand, wide-plank staircase with a flared entry design creates a striking first impression, while the paverstone driveway adds timeless curb appeal in harmony with the coastal architectural style. The first floor includes a spacious flexible guest suite or office with a wet bar area, full bath, a dedicated laundry room, and direct access to a covered patio with marina and water views. The guest suite is also pre-plumbed for a bar area (optional upgrade).marina and water views. On the second floor, the expansive primary suite offers a serene retreat with a custom-designed walk-in closet, spa-inspired bath, oversized shower, dual vanities, and a private covered balcony with tranquil views of the Intracoastal and beyond. Two additional light-filled bedrooms and a full bath complete this level. The third floor is the heart of this exceptional residence, thoughtfully designed for both everyday living and elegant entertaining. The chef's kitchen features a striking waterfall-edge quartz island with abundant storage, tasteful modern backsplash, custom cabinetry, and upgraded stainless steel appliances. The adjacent dining area opens to a private balcony that captures sweeping views of the Intracoastal Waterway, heated pool, and the surrounding coastal community. The spacious living area extends onto a second large covered balcony overlooking the marina and intracoastal, while front-facing windows frame unobstructed vistas of the iconic St. Augustine Lighthouse. Distinctive ceiling treatments and modern finishes enhance the refined coastal aesthetic throughout this spectacular end unit. 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 heated pool, hot tub, private marina access, and a covered poolside lanai featuring ample counter space for serving and an island with bar seatingperfect for effortless outdoor entertaining. Cortez on the Water offers timeless design, exceptional craftsmanship, and the best of luxury island living in Northeast Florida. **Select builder upgrades still available.

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,Electric Cooktop,Electric Oven,Microwave,Refrigerator,Tankless Water Heater
  • Laundry features: Electric Dryer Hookup,Lower Level,Washer Hookup

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Eat-in Kitchen,Elevator,Entrance Foyer,Kitchen Island,Open Floorplan,Pantry,Primary Bathroom - Shower No Tub,Walk-In Closet(s)
  • Window features: Impact Windows
  • 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: 2184310115
  • 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 $10,108$121,296
Home Insurance *$1,572$18,864
Property Taxes $1,249$14,988
Electricity $289$3,468
Total$13,218$158,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$453,188/yr
40% on housing$396,540/yr
45% on housing$352,480/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

$696This 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
2026-02-18Price change$1,999,000
2025-11-08Price change$2,285,000
2025-06-27Listed for sale$2,290,000

New Construction

AgentHILARIE DURRETT
BrokerageHOUSE & HAVEN

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