This home is in Cortez on the Water, St. Augustine — a waterfront home in St. Johns County.
Active·428 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, 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.
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 15, 2026Price change$1,950,000+$501,000
- 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).
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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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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines