This home is in Cortez on the Water, St. Augustine — a new construction home in St. Johns County.
Sold·Closed Aug 10, 2026·346 days on market·Recent sales in Cortez on the Water·Cortez on the Water
45 Cortez Avenue
St. Augustine, FL 32080
4 more homes for sale in Cortez on the Water →Search Cortez on the Water on the map
About this home
Cortez on the Water
*Private rooftop terraces redefine the living experience at Cortez on the Water, creating a seamless indoor-outdoor lifestyle with breathtaking panoramic views, private elevator access to the rooftop level, and the option for a builder upgrade to add an interior stairway connection* Welcome to 45 Cortez within Cortez on the Water-a limited collection of 30 luxury waterfront residences along the Intracoastal Waterway, offering premier views of the Intracoastal, Salt Run, the iconic St. Augustine Lighthouse, and the city skyline of historic downtown. Ideally located just minutes from Anastasia State Park, top-rated restaurants, and entertainment, this refined Swordfish floor plan offers elevated design, modern coastal elegance, and low-maintenance luxury living. This 2,872 sq ft three-story plus rooftop living residence features a private in-unit elevator, deeded boat slip with deep water access, and an oversized two-car garage. A grand, wide-plank staircase with a flared entry design
Next steps in Cortez on the Water
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,753 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
History
Price & status history
- Aug 10, 2026Closed$2,300,000
- Jun 27, 2025Listed$2,300,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $662/sq ft; this home is listed at $801/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 47 Cortez Avenue, St. Augustine, FL 32080Listed by HOUSE & HAVEN | Sep 2026 | $1,900,000 | $662 | 4/3.5 | 2,872 | 391 | 0 |
| 3324 Harbor Drive, St. Augustine, FL 32084Listed by CRYSTAL CLEAR REALTY, LLC | Jul 2026 | $710,000 | $312 | 3/3.5 | 2,275 | 60 | 2.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HOUSE & HAVEN
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Cortez on the Water
Cortez on the Water is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.
View all Cortez on the Water homes for sale →Keep looking
More homes in Cortez on the Water
For Sale73 Cortez AvenueSt. Augustine, FL 32080
4 bd · 3.5 ba · 2,867 sq ft
$2,049,000Est. $10,906/moDirect waterfront residences within Cortez on the Water rarely come to market. This sophisticated residence pairs…
Listing Office: house & haven
For Sale80 Cortez AvenueSt. Augustine, FL 32080
4 bd · 3.5 ba · 2,872 sq ft
$1,399,000Est. $7,446/moIntroducing 80 Cortez Ave., a recently completed luxury waterfront residence in the heart of Davis Shores. Built in…
Listing Office: maxrev, llc
For Sale82 Cortez AvenueSt. Augustine, FL 32080
4 bd · 3.5 ba · 2,867 sq ft
$1,329,000Est. $7,073/mo*Private rooftop terraces redefine the living experience at Cortez on the Water, creating a seamless indoor-outdoor…
Listing Office: house & haven
For Sale15 Comares AvenueSt. Augustine, FL 32080
4 bd · 3.5 ba · 2,872 sq ft
$1,100,000Est. $5,855/mo*Private rooftop terraces redefine the living experience at Cortez on the Water, creating a seamless indoor-outdoor…
Listing Office: house & haven
Keep looking
Similar homes in St. Augustine
Explore the area
More in Cortez on the Water
Cortez on the Water guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines