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

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Active

Active·379 days on market·Cortez on the Water

82 Cortez Avenue

St. Augustine, FL 32080

$1,329,000$464/sqftEst. $7,073/moMLS# 2096370

Beds

Baths

2,867

Sq Ft

2025

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 82 Cortez within Cortez on the Water - an exclusive enclave of 30 luxury waterfront residences nestled on Anastasia Island along the Intracoastal Waterway. Capturing sweeping views of the Intracoastal, Salt Run, the iconic St. Augustine Lighthouse, and the downtown skyline, this beautifully appointed Sailfish floor plan is perfectly positioned just minutes from historic downtown, Anastasia State Park, and the area's most celebrated coastal destinations. This 2,867 SF three-story residence with rooftop living includes a private in-unit elevator, deeded boat slip with direct deep water access, and an oversized two-car garage with sleek epoxy-coated flooring for a clean, polished finish. A grand

Cost to own

Mortgage calculator

Home Price

$1,329,000

Down Payment: 20%

$265,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$6,713

Principal & Interest: $6,713

Est. Taxes & Insurance: $1,678

Estimated Total Monthly

$8,391

*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$7,073

Property taxesest. at asking price, St. Johns County$1,768

HOAbilled quarterly$1,276

Estimated total, before insurance$10,118/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 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Public water (record)

Municipal drinking water per the county inventory.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,619 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

Jul 1, 2025Listed$1,329,000

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

Features

Price$1,329,000

Price / Sq Ft$464

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,867

Year Built2025

TypeResidential

Sub-TypeCondominium

StyleContemporary, Other

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

School Information

MiddleSebastian

HighSt. Augustine

Community Information

Address82 Cortez Avenue, St. Augustine, FL 32080

Area323-Davis Shores

SubdivisionCortez on the Water

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number218431-0121

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

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, Gas Range, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, Washer Hookup

Spa FeaturesCommunity