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82 CORTEZ Avenue, Saint Augustine, FL, 32080

4beds
4baths
2,867sqft
$1,329,000
$464price/sqft
$8,883/moest. monthly cost
$355,320/yrincome needed

About This Home

Welcome to 82 Cortez within Cortez on the Water - an exclusive enclave of 30 luxury waterfront residences nestled on Anastasia Island along the Intracoastal Waterway. Capturing sweeping views of the Intracoastal, Salt Run, the iconic St. Augustine Lighthouse, and the downtown skyline, this beautifully appointed Sailfish floor plan is perfectly positioned just minutes from historic downtown, Anastasia State Park, and the area's most celebrated coastal destinations. This 2,867 sq ft three-story residence includes a private in-unit elevator, deeded boat slip with direct deep water access, and an oversized two-car garage with sleek epoxy-coated flooring for a clean, polished finish. A grand, wide-plank staircase with flared entry design creates an impressive sense of arrival, while the paverstone driveway enhances the home's timeless curb appeal. The first floor offers 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 a serene retreat, featuring a spa-inspired oversized bath, a customized walk-in closet, and a private covered balcony overlooking a tranquil pond with views of the Intracoastal beyond. 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 striking waterfall-edge quartz island with a shiplap design and abundant storage, sleek countertops, an upgraded refrigerator, designer cabinetry, and a stainless steel chef-grade gas cooktop with an upgraded hood vent. The kitchen backsplash and spa-inspired bathrooms carry the luxury coastal modern design throughout the home. Wide-plank wood flooring extends throughout the residence, while the spa-inspired primary bath features large-format ceramic tile in warm grey and cream tones that cascades seamlessly into the oversized shower. A casual dining nook off the kitchen opens to a private balcony with expansive views of the surrounding coastal landscape. The open dining area transitions seamlessly into the spacious living room, which extends onto a second covered balcony overlooking the marina and Intracoastal. From the front windows, enjoy incredible views of the historic St. Augustine Lighthouse. Additional features include 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 coastal St. Augustine living. ***Select builder upgrades still available

Getting Around

69
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: 2025

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,Gas Range,Microwave,Refrigerator,Tankless Water Heater
  • Laundry features: Electric Dryer Hookup,Washer Hookup

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)
  • Window features: Impact Windows
  • Flooring: Wood

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,867 sqft

Property

Details

  • Parcel number: 2184310121
  • 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
  • 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 $6,720$80,640
Home Insurance *$1,045$12,540
Property Taxes $830$9,960
Electricity $288$3,462
Total$8,883$106,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$304,560/yr
40% on housing$266,490/yr
45% on housing$236,880/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

$464This 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
2026-02-20Price change$1,329,000
2025-11-04Price change$1,379,000
2025-07-02Listed for sale$1,399,000

New Construction

AgentHILARIE DURRETT
BrokerageHOUSE & HAVEN

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