This home is in Cortez on the Water, St. Augustine.

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Active Under Contract

Active Under Contract·383 days on market·Cortez on the Water

45 Cortez Avenue

St. Augustine, FL 32080

$2,300,000$801/sqftEst. $12,242/moMLS# 2095644

Beds

Baths

2,872

Sq Ft

2024

Built

Garage

Pool

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

Cost to own

Mortgage calculator

Home Price

$2,300,000

Down Payment: 20%

$460,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$11,618

Principal & Interest: $11,618

Est. Taxes & Insurance: $2,904

Estimated Total Monthly

$14,522

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$12,242

Property taxesest. at asking price, St. Johns County$3,061

HOAbilled quarterly$1,278

Estimated total, before insurance$16,580/mo

• 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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jun 27, 2025Listed$2,300,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$2,300,000

Price / Sq Ft$801

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,872

Year Built2024

TypeResidential

Sub-TypeCondominium

StyleContemporary, Other

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

School Information

MiddleSebastian

HighSt. Augustine

Community Information

Address45 Cortez Avenue, St. Augustine, FL 32080

Area323-Davis Shores

SubdivisionCortez on the Water

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number218431-0114

ZoningResidential

Amenities

AmenitiesPool, Other, Boat Dock, Marina, Spa/Hot Tub

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

ViewIntracoastal, Marina

Waterfront TypeIntracoastal, Navigable Water

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Elevator, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesOther, Dishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

Spa FeaturesCommunity