12402 HARBOUR LANDINGS DRIVE, CORTEZ, FL, 34215
Active25 days on marketListed Aug 26, 2026MLS #A4703997
About this home
12402 HARBOUR LANDINGS DRIVE
Rare Opportunity in Harbour Landings! Situated on one of the largest homesites in the community - nearly twice the size of most half-duplex lots, this beautifully maintained resiidence offers an exceptional combination of space, privacy and endless possibilities. With over 2,200 square feet of living space, this home features three spacious bedrooms, two baths, and a versatile downstairs bonus room with abundant storage. Both levels total 5022 sq ft. A private elevator provides convenient access from the oversized 2+ car garage, which offers plenty of room for vehicles, a golf cart and additional storage. Step onto the private lanai, accessible from both the living room and the primary suite and enjoy peaceful outdoor living surrounded by lush landscaping. The expansive lot presents a rare opportunity to create your own backyard retreat with room for a custom pool (subject to Association approval), spectacular gardens, or both. This move in ready home allows you to begin enjoying the Florida lifestyle immediately. Harbour Landings is an established, upscale waterfront community where neighboring homes are valued over $2 million, making this an outstanding value. Whether you're seeking a full time residence or a luxurious seasonal retreat, this unique property offers the space, flexibility and location you've been waiting for. Close to shopping, restaurants and beaches.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,232
Sqft
0.28 ac
Lot size
2
Garage
2002
Year built
Two
Levels
$336
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 and the real association fee — not generic estimates.
$5,399 /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
$5,399/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.
$/sqft vs Cortez actives
$336 vs $760
Days on market
25 vs 103 typical
Where $336/sqft sits among the 16 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)
4 of 16
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 12402 HARBOUR LANDINGS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$725,000
12518 HARBOUR LANDINGS DRIVE · same community
3 bd · 2 ba · 2,361 sqft · $307/sqft · 169 DOM
Sold · Apr ’26$2,200,000
12509 SAFE HARBOUR DRIVE · same community
3 bd · 3 ba · 3,460 sqft · $636/sqft · 139 DOM
Sold · Sep ’26$1,219,000
12622 SAFE HARBOUR DRIVE · same community
4 bd · 3.5 ba · 3,742 sqft · $326/sqft · 220 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 12402 HARBOUR LANDINGS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12402 HARBOUR LANDINGS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12402 HARBOUR LANDINGS DRIVE FAQs
What would the monthly payment be for 12402 HARBOUR LANDINGS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,399/mo — principal and interest, the actual property-tax bill, the $567/mo association fee 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.
How much are the HOA fees at 12402 HARBOUR LANDINGS DRIVE?+
The association fee works out to $567 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12402 HARBOUR LANDINGS DRIVE?+
The most recent tax bill on record (2025) was $4,195. 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 12402 HARBOUR LANDINGS DRIVE?+
The listing reports pets: 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 $749,000, 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 12402 HARBOUR LANDINGS DRIVE?+
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 MICHAEL SAUNDERS & COMPANY · Nancy MacKenzie. MLS #A4703997.
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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