This home is in Cortez on the Water, St. Augustine.
Active·383 days on market·Cortez on the Water
43 Cortez Avenue
St. Augustine, FL 32080
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 43 Cortez within Cortez on the Water-an exclusive collection of 30 luxury waterfront residences set along the Intracoastal Waterway. This refined Swordfish floor plan offers sweeping views of Salt Run, the Intracoastal, the iconic St. Augustine Lighthouse, and the skyline of historic downtown. Ideally located minutes from Anastasia State Park, award-winning restaurants, and vibrant coastal attractions, this residence blends modern coastal elegance with low-maintenance luxury living. This 2,872 sq ft three-story home plus rooftop living features a private in-unit elevator, deeded boat slip with deep water access, and an oversized two-car garage.
Cost to own
Mortgage calculator
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, 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 homeInformational 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$1,449,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Cortez on the Water
Cortez on the Water is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.
View all Cortez on the Water homes for sale →Listing Courtesy of: HOUSE & HAVEN
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Active$1,399,000MLS# 2095665Est. $7,446/mo41 Cortez Avenue, St. Augustine, FL 320804 Beds3 Baths2,872 sqft*Private rooftop terraces redefine the living experience at Cortez on the Water, creating a seamless indoor-outdoor…
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Active$1,399,000MLS# 2151446Est. $7,446/mo80 Cortez Avenue, St. Augustine, FL 320804 Beds3 Baths2,872 sqftIntroducing 80 Cortez Avenue, a newly completed luxury waterfront residence in the heart of Davis Shores. Built in…
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Active$1,329,000MLS# 2096370Est. $7,073/mo82 Cortez Avenue, St. Augustine, FL 320804 Beds3 Baths2,867 sqft*Private rooftop terraces redefine the living experience at Cortez on the Water, creating a seamless indoor-outdoor…
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Active$1,190,000MLS# 2095670Est. $6,334/mo35 Cortez Avenue, St. Augustine, FL 320804 Beds3 Baths2,872 sqft*Private rooftop terraces redefine the living experience at Cortez on the Water, creating a seamless indoor-outdoor…
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines