This home is in Cortez on the Water, St. Augustine — a home near St. Augustine High School.
Active·179 days on market·Cortez on the Water
73 Cortez Avenue
St. Augustine, FL 32080
3 more homes for sale in Cortez on the Water →Search Cortez on the Water on the map
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About this home
Cortez on the Water
Direct waterfront residences within Cortez on the Water rarely come to market. This sophisticated residence pairs high-end upgrades with expansive water views across all three levels and the private rooftop terrace, complemented by a premium upgraded deeded boat slip and a curated collection of custom finishes that reflect a refined approach to coastal living. The Intracoastal serves as a striking backdrop throughout the home, with uninterrupted waterfront views shaping the experience from nearly every vantage point. A private in-unit elevator services all 4 levels, while high-end custom details and designer finishes bring together sophisticated design, functionality, and comfort. The rooftop terrace creates an entirely different perspective, with sweeping views extending across the water, sky, and horizon. On quieter evenings, even the distant sound of waves along the Atlantic can be heard-a subtle reminder of just how closely connected this residence is to the coast.
Next steps in Cortez on the Water
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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: ~1,619 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 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,600,000 | $1,600,000 | — |
2025 property taxes (current owner): $31,511/yr
Estimated taxes if purchased at asking price: ~$32,700/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Sep 16, 2026Price change$2,049,000−$46,000
- Apr 17, 2026Listed$2,095,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $662/sq ft; this home is listed at $715/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 47 Cortez Avenue, St. Augustine, FL 32080Listed by HOUSE & HAVEN | Sep 2026 | $1,900,000 | $662 | 4/3.5 | 2,872 | 391 | 0 |
| 45 Cortez Avenue, St. Augustine, FL 32080Listed by HOUSE & HAVEN | Aug 2026 | $1,925,000 | $670 | 4/3.5 | 2,872 | 346 | 0 |
| 3324 Harbor Drive, St. Augustine, FL 32084Listed by CRYSTAL CLEAR REALTY, LLC | Jul 2026 | $710,000 | $312 | 3/3.5 | 2,275 | 60 | 2.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HOUSE & HAVEN
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Cortez on the Water
Cortez on the Water is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32080.
View all Cortez on the Water homes for sale →Keep looking
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For Sale15 Comares AvenueSt. Augustine, FL 32080
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$1,100,000Est. $5,855/mo*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