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

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Active

Active·88 days on market·Cortez on the Water

73 Cortez Avenue

St. Augustine, FL 32080

$2,095,000$731/sqftEst. $11,150/moMLS# 2140719

Beds

Baths

2,867

Sq Ft

2024

Built

Garage

Pool

About this home

Cortez on the Water

A significant price improvement presents an exceptional opportunity to own one of St. Augustine's premier direct waterfront residences. Endless water views from all three levels and the rooftop terrace-where the gentle sounds of the Atlantic Ocean can be heard-an upgraded deeded boat slip, and a thoughtfully curated collection of upgrades come together in this exceptional residence within Cortez on the Water, where an effortless connection to the water is felt throughout. Thoughtfully enhanced with high-end custom details and designer finishes, and complemented by a private in-unit elevator servicing every floor, the home seamlessly blends sophisticated coastal living with functionality, comfort, and ease. The Intracoastal serves as a constant backdrop throughout the home, with uninterrupted waterfront views shaping the experience from nearly every vantage point. From the upper levels, the views extend outward to expansive sky and horizon, while the rooftop terrace offers a more

Cost to own

Mortgage calculator

Home Price

$2,095,000

Down Payment: 20%

$419,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$10,582

Principal & Interest: $10,582

Est. Taxes & Insurance: $2,646

Estimated Total Monthly

$13,228

*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$11,150

Property taxesest. at asking price, St. Johns County$2,788

HOAbilled quarterly$1,278

Estimated total, before insurance$15,216/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.

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: ~$33,500/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.

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 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

Apr 17, 2026Listed$2,095,000

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

Features

Price$2,095,000

Price / Sq Ft$731

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,867

Year Built2024

TypeResidential

Sub-TypeCondominium

StyleContemporary, Other

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryR. B. Hunt

MiddleSebastian

HighSt. Augustine

Community Information

Address73 Cortez Avenue, St. Augustine, FL 32080

Area323-Davis Shores

SubdivisionCortez on the Water

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number2184310127

Amenities

AmenitiesPool, Boat Dock, Marina, Spa/Hot Tub

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewIntracoastal, Marina, Water

Waterfront TypeIntracoastal, Navigable Water

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Elevator, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Spa FeaturesCommunity