Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Cortez on the Water, St. Augustine — a new construction home in St. Johns County.

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Active

Active·428 days on market·Cortez on the Water

41 Cortez Avenue

St. Augustine, FL 32080

$1,399,000$487/sqftEst. $7,192/moMLS# 2095665

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 41 Cortez within Cortez on the Water-an exclusive enclave of 30 luxury waterfront residences nestled on Anastasia Island along the Intracoastal Waterway. Capturing panoramic views of Salt Run, the Intracoastal, the historic St. Augustine Lighthouse, and the downtown skyline, this beautifully appointed Swordfish floor plan is perfectly positioned just minutes from historic downtown, Anastasia State Park, and the city's most beloved coastal dining and attractions. This 2,872 sq ft three-story home with rooftop enjoyment includes a private in-unit elevator, deeded boat slip with direct 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

$1,399,000

Down Payment: 20%

$279,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$7,192

Principal & Interest: $7,192

Property taxes (est.): $1,862

Insurance (est.): $933

Estimated Total Monthly

$9,987

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$7,192

Property taxesest. at asking price, St. Johns County$1,862

HOAbilled quarterly$1,278

Estimated total, before insurance$10,332/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, 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 home

As 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

Jun 27, 2025Listed$1,399,000

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

Features

Price$1,399,000

Price / Sq Ft$487

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,872

Year Built2024

TypeResidential

Sub-TypeCondominium

StyleContemporary, Other

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

School Information

MiddleSebastian

HighSt. Augustine

Community Information

Address41 Cortez Avenue, St. Augustine, FL 32080

Area323-Davis Shores

SubdivisionCortez on the Water

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number218431-0112

ZoningResidential

Amenities

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

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

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), Other

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, Washer Hookup