
4104 128TH STREET W UNIT 702, CORTEZ, FL, 34215
Active5 days on marketListed Aug 5, 2026MLS #A4702022
About this home
4104 128TH STREET W UNIT 702
The ultimate boating and beach lifestyle awaits in one of West Bradenton's most coveted waterfront communities, where deep water canal access, exceptional boating amenities, and an unbeatable location create a truly rare opportunity. Perfectly positioned just minutes from the Intracoastal Waterway and only a short bike ride, golf cart ride, or walk to the pristine beaches of Anna Maria Island, this extensively renovated condominium offers a level of luxury, convenience, and waterfront living seldom found at this price point. Thoughtfully redesigned with a sophisticated coastal aesthetic, the residence showcases raised 9.5-foot ceilings throughout the entry, kitchen, and dining areas, creating an open, airy feel rarely available in the community. Gorgeous tile flooring flows throughout the main living spaces of the home (cozy carpeting in the bedrooms), while approximately $50,000 in custom cabinetry, designer finishes, hurricane-impact windows and doors, plantation shutters, and abundant natural light elevate every space. The beautifully remodeled kitchen features premium cabinetry, quality appliances, generous prep space, and a seamless connection to the spacious living and dining areas, all overlooking tranquil canal views. The spacious primary suite serves as a peaceful waterfront retreat with private balcony access and serene water vistas. One of the home's most distinctive features is the fully renovated enclosed lanai, finished with a stunning pecky cypress ceiling, mini-split air conditioning, and panoramic canal views, creating the perfect year-round extension of the living space for entertaining, relaxing, or watching boats glide by. For boating enthusiasts, this property is truly in a class of its own. Included is a new 40-foot private boat slip with a 15,000-pound boat lift, the largest lift in the community, offering immediate access to protected deep water canals and the Intracoastal Waterway with no fixed bridges. Even more impressive, the home includes covered parking for three vehicles, an exceptionally rare feature where most residences accommodate only one or two. Located near the world-renowned IMG Academy, championship golf, waterfront restaurants, marinas, and the historic fishing village of Cortez, this exceptional waterfront residence offers an unmatched combination of luxury finishes, premier boating amenities, walkability to the beach, and one of the finest waterfront locations on Florida's Gulf Coast. This is coastal living at its absolute best.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,834
Sqft
1991
Year built
One
Levels
$409
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,988 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,988/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+11.5%
$/sqft vs Cortez actives
$409 vs $656
Days on market
5 vs 82 typical
Where $409/sqft sits among the 15 Cortez actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Cortez
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Cortez. See the full Cortez guide →
CORTEZ 34215 — neighborhood snapshot
Population
759
Median age
58.5
Median income
$76,364
Median home value
$722,200
Avg household
2.03
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Cortez market
$1.3M → $1.9M
Cortez median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
7 of 15
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 4104 128TH STREET W UNIT 702
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$410,000
3909 117TH STREET W
3 bd · 2 ba · 1,774 sqft · $231/sqft · 1 DOM
Sold · Oct ’25$375,000
3808 118TH STREET W
3 bd · 2 ba · 1,972 sqft · $190/sqft · 134 DOM
Sold · Oct ’25$1,350,000
4318 MARINA VIEW WAY
3 bd · 2.5 ba · 1,683 sqft · $802/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4104 128TH STREET W UNIT 702 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4104 128TH STREET W UNIT 702 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4104 128TH STREET W UNIT 702 FAQs
What would the monthly payment be for 4104 128TH STREET W UNIT 702?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,988/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4104 128TH STREET W UNIT 702?+
The most recent tax bill on record (2025) was $6,002. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4104 128TH STREET W UNIT 702?+
The listing reports pets: Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Cortez?+
At $750,000, this home is listed about 25% below the Cortez median of $1,000,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4104 128TH STREET W UNIT 702?+
Sea Breeze Elementary School (elementary), W. D. Sugg Middle School (middle), Bayshore High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LESLIE WELLS REALTY, INC. · Madison Wells, PLLC. MLS #A4702022.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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