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

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Active

Active·49 days on market·Cortez on the Water

80 Cortez Avenue

St. Augustine, FL 32080

$1,299,000$452/sqftEst. $6,699/moMLS# 2151446

Beds

Baths

2,872

Sq Ft

2025

Built

Garage

Pool

About this home

Cortez on the Water

Introducing 80 Cortez Avenue, a newly completed luxury waterfront residence in the heart of Davis Shores. Built in 2025, this exceptional three-story home offers a rare combination of modern design, deep-water boating access, and walkable island living. A private elevator services all levels, leading to a spectacular rooftop terrace with panoramic Intracoastal Waterway views, stunning sunsets, and the historic skyline of St. Augustine. Included is a coveted 60' x 15' deep-water boat slip with power and water, accommodating larger vessels and providing effortless access to the Intracoastal and Atlantic Ocean. Ideally located, enjoy walking or biking to historic downtown St. Augustine, the beaches, St. Augustine Amp, restaurants, and marinas. New construction, luxury finishes, rooftop living, and premier boating access combine to create one of the most compelling waterfront opportunities on Anastasia Island.

Cost to own

Mortgage calculator

Home Price

$1,299,000

Down Payment: 20%

$259,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$6,699

Principal & Interest: $6,699

Property taxes (est.): $1,729

Insurance (est.): $866

Estimated Total Monthly

$9,293

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$6,699

Property taxesest. at asking price, St. Johns County$1,729

HOAbilled monthly$1,142

Estimated total, before insurance$9,569/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: Membrane — 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

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

Jul 18, 2026Price change$1,299,000−$100,000
Jun 19, 2026Listed$1,399,000

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

Features

Price$1,299,000

Price / Sq Ft$452

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,872

Year Built2025

TypeResidential

Sub-TypeCondominium

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

Community Information

Address80 Cortez Avenue, St. Augustine, FL 32080

Area323-Davis Shores

SubdivisionCortez on the Water

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number2184310120

Amenities

AmenitiesPool, Barbecue, Boat Dock, Boat Slip, Marina, Spa/Hot Tub

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewIntracoastal

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Elevator, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDisposal, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories3

LevelsThree Or More

LaundryIn Unit

Spa FeaturesCommunity