CENTURY 21 Edge
$2,895,0004 bd4.5 ba4,039 sqft$717 /sqft$18,064 /mo all-in ↓

12914 YACHT CLUB PLACE, CORTEZ, FL, 34215

Active5 days on marketListed Sep 15, 2026MLS #A4706046

WaterfrontPrivate poolSingle Family ResidenceCOVE SOUND YACHT CLUB

About this home

12914 YACHT CLUB PLACE

This casually elegant waterfront residence offers an exceptional blend of refined craftsmanship, thoughtful design, and effortless coastal living. With more than 4,000 square feet, this custom-built Key West-style home is thoughtfully designed with both grand entertaining spaces and intimate areas for relaxing and enjoying the waterfront setting. At the heart of the home, the oversized gourmet kitchen is a chef’s dream, featuring separate Sub-Zero refrigerator and freezer, Wolf gas range with griddle and grill, double ovens, warming drawer, two dishwashers, an expansive center island, and a generous walk-in pantry. The great room and formal dining room strike the perfect balance between elegance and comfort, while the inviting parlor, complete with fireplace, offers a cozy retreat for quiet evenings or casual entertaining. Exceptional attention to detail is evident throughout, from the 8-foot solid wood doors, deep baseboards, and custom crown molding to the beautifully paneled office and private elevator. Additional highlights include a dedicated wine storage room with wrought-iron gates, wet bar, butler’s pantry, exercise room, poolside bar and summer kitchen, oversized three-car garage, and a truly impressive workshop. Outdoor living is equally exceptional, with a waterfront deck overlooking the Intracoastal and a private 55+ foot boat slip directly behind the residence, complete with a 12,000-pound lift. Spend afternoons on the water, entertain poolside, or unwind as the sun sets over the Intracoastal. For those who love the beach and the charm of coastal communities, historic Cortez is just one mile from Anna Maria Island, putting the island’s beautiful beaches within minutes. A rare combination of craftsmanship, comfort, waterfront living, and an enviable location, this exceptional residence must be experienced in person to fully appreciate all it has to offer.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

4,039

Sqft

0.21 ac

Lot size

3

Garage

2000

Year built

Three Or More

Levels

$717

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringBrick/Stone · Carpet · Ceramic Tile · Hardwood
AppliancesBar Fridge · Dishwasher · Disposal · Dryer · Electric Water Heater · Freezer · Microwave · Range · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Central Vacuum · Crown Molding · Elevator · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Wet Bar · Window Treatments
LaundryInside
CoolingCentral Air · Zoned
HeatingCentral · Electric · Zoned

Outside & construction

RoofMetal
ConstructionBlock
FoundationSlab
ViewWater
FacesNorthwest
ParkingGarage Door Opener · Oversized · Workshop in Garage
ExteriorBalcony · Irrigation System · Rain Gutters

Community & fees

HOA fee$167/mo
Taxes (2025)$12,357/yr
PetsYes
CommunityBoat Slip · Dock · Marina · Water Access · Buyer Approval Required · Deed Restrictions

Utilities & systems

UtilitiesCable Connected · Fiber Optics · Public · Street Lights
WaterPublic

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.

$18,064 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$15,621
PMI (est., until 20% equity)$1,086
Property tax — 2025 actual bill$1,030
HOA fee — from the listing$167
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $289,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $289,500
Interest rate6.00%
Loan term

Estimated payment

$18,064/mo

Principal & interest$15,621
PMI (est., until 20% equity)$1,086
Property taxes (actual bill)$1,030
HOA / condo fee$167
Est. insurance$160

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

$717 vs $760

Days on market

5 vs 103 typical

Where $717/sqft sits among the 16 Cortez actives

3
5
2 · this home
3
2
1
$203–404$404–606$606–807$807–1008$1008–1210$1210+

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 Cove Sound Yacht Club

Drive times from this address

Downtown Tampa68 min
Tampa Int’l Airport (TPA)71 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Cortez. See the full Cortez guide →

Cove Sound Yacht Club — neighborhood snapshot

Population

90

Median age

63

Median income

$110,045

Median home value

$493,500

Avg household

2

Households w/ children

1%

For the school run

Manatee County School District

ElementarySea Breeze Elementary School★★★★
MiddleW. D. Sugg Middle School★★★★★
HighBayshore High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Cortez market

Seller’s marketLeans buyer8.0 months of inventoryBuyer’s 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.

This home is listed 286% above the CORTEZ 34215 median. See the full Cortez market guide →

Paper trail

This home's history

Sep 15, 2026Listed at $2,895,000 · 5 days on market since
2000Built · COVE SOUND YACHT CLUB

Reality check

What actually sold near 12914 YACHT CLUB PLACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12923 YACHT CLUB PLACESold · Mar ’26

$1,720,000

12923 YACHT CLUB PLACE · same community

4 bd · 3 ba · 3,016 sqft · $570/sqft · 58 DOM

12622 SAFE HARBOUR DRIVESold · Sep ’26

$1,219,000

12622 SAFE HARBOUR DRIVE

4 bd · 3.5 ba · 3,742 sqft · $326/sqft · 220 DOM

12509 SAFE HARBOUR DRIVESold · Apr ’26

$2,200,000

12509 SAFE HARBOUR DRIVE

3 bd · 3 ba · 3,460 sqft · $636/sqft · 139 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.

Moe Thouk Oo

Your agent

Moe Thouk Oo

Licensed Realtor® · CENTURY 21 Edge

Tours, negotiation, and every question about 12914 YACHT CLUB PLACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12914 YACHT CLUB PLACE — before you fall in love.

See it in person

Schedule a tour

Live availability from Moe's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12914 YACHT CLUB PLACE FAQs

What would the monthly payment be for 12914 YACHT CLUB PLACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,064/mo — principal and interest, the actual property-tax bill, the $167/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 12914 YACHT CLUB PLACE?+

The association fee works out to $167 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 12914 YACHT CLUB PLACE?+

The most recent tax bill on record (2025) was $12,357. 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 12914 YACHT CLUB PLACE?+

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 $2,895,000, this home is listed about 190% above the Cortez median of $1,000,000. The market section on this page shows how the area is trending.

Which schools are assigned to 12914 YACHT CLUB PLACE?+

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.

The brief

Three things that matter here

01Positioned at the premium end

$2,895,000 runs 286% above the CORTEZ 34215 median — but at 4,039 sqft it's also nearly twice the size of the typical Cortez listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 5 days on market in a Cortez market that averages 103 — if it fits, move quickly.

Listing courtesy of COLDWELL BANKER REALTY · Charles Buky. MLS #A4706046.

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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