12507 CORTEZ ROAD W UNIT 2, CORTEZ, FL, 34215
Active39 days on marketListed Sep 30, 2026MLS #A4707251
About this home
12507 CORTEZ ROAD W UNIT 2
Virtually Staged. PRICE IMPROVEMENT!! Now is your chance to own a slice of paradise!! Bradenton Beach is just across the bridge from this 55+ gated co-op community on Sarasota Bay in historic Cortez. This one-bedroom, one-bath home in Cortez Park includes access to a private community boat dock, clubhouse, shuffleboard and the on-site Tide Tables Restaurant and Marina. An enclosed lanai adds flexible room for a sitting area, dining space, hobbies or visiting guests. After a day soaking up the sun on the beach, rinse off in the bonus enclosed outdoor shower, then catch the sunset over the bay. Boating, fishing, waterfront dining and Anna Maria Island are all nearby, wrapped in the character of an Old Florida fishing village. A rare chance to live this close to the bay at this price.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
606
Sqft
0.04 ac
Lot size
1969
Year built
One
Levels
$223
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.
$1,672 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,672/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
$223 vs $753
Days on market
39 vs 69 typical
Where $223/sqft sits among the 20 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
707
Median age
65.7
Median income
$77,857
Median home value
$708,300
Avg household
1.93
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
$160K → $1.2M
Cortez median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
5 of 20
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 82% below the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 12507 CORTEZ ROAD W UNIT 2
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$100,000
10315 CORTEZ ROAD W UNIT 15G
2 bd · 1 ba · 564 sqft · $177/sqft · 70 DOM
Sold · Nov ’25$765,000
2310 GULF DRIVE N UNIT 205
2 bd · 1 ba · 651 sqft · $1,175/sqft · 261 DOM
Sold · Oct ’26$450,000
1603 GULF DRIVE N UNIT 3
1 bd · 1 ba · 540 sqft · $833/sqft · 59 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 12507 CORTEZ ROAD W UNIT 2 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12507 CORTEZ ROAD W UNIT 2 — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12507 CORTEZ ROAD W UNIT 2 FAQs
What would the monthly payment be for 12507 CORTEZ ROAD W UNIT 2?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,672/mo — principal and interest, the actual property-tax bill, the $460/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 12507 CORTEZ ROAD W UNIT 2?+
The association fee works out to $460 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12507 CORTEZ ROAD W UNIT 2?+
The most recent tax bill on record (2025) was $796. 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 12507 CORTEZ ROAD W UNIT 2?+
The listing reports pets: Breed Restrictions, Number Limit. 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 $134,900, this home is listed about 89% below the Cortez median of $1,199,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12507 CORTEZ ROAD W UNIT 2?+
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 EXP REALTY LLC · Darice Levasseur. MLS #A4707251.
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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