12917 42ND TERRACE W, CORTEZ, FL, 34215
Active19 days on marketListed Oct 20, 2026MLS #A4709317
About this home
12917 42ND TERRACE W
Newly built direct bay front home in gated Sunset Harbor offers full sunset views over Anna Maria Island. Situated on a private cul-de-sac with 85 feet of Intracoastal Waterway frontage, the elevated residence includes 4 bedrooms, 3.5 baths, 2,798 square feet of heated living space, a private elevator, and an oversized four-car garage. The open floor plan features high ceilings, a gas fireplace, and a kitchen with solid wood cabinetry, solid-surface countertops, and built-in appliances. Upstairs includes the primary suite, a study/den, and guest bedrooms. Outdoor amenities include a heated saltwater pool with a 38-foot lap lane, an in-ground spa, covered living areas, and an outdoor kitchen—all overlooking the water with sunset views toward Anna Maria Island. A deeded on-site boat slip includes a private dock with water and electric, a fish-cleaning station, and a 10,000-pound boat lift. Enjoy sunsets all year long! Walking distance to the beaches, shops and restaurants of Anna Maria Island!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,798
Sqft
0.23 ac
Lot size
2023
Year built
Two
Levels
$1,072
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.
$22,327 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$22,327/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.
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.
vs edgeAI estimate
+126.8%
$/sqft vs Cortez actives
$1,072 vs $717
Days on market
19 vs 69 typical
Where $1,072/sqft sits among the 19 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 Sunset Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Cortez. See the full Cortez guide →
Sunset Harbor — neighborhood snapshot
Population
88
Median age
67
Median income
$117,692
Median home value
$500,000
Avg household
2
Households w/ children
1%
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)
6 of 19
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 294% above the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 12917 42ND TERRACE W
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$90,000
10320 SE 159TH STREET · same community
3 bd · 2 ba · 2,887 sqft · $31/sqft · 9 DOM
Sold · Dec ’25$900,000
115 SUNSET HARBOR WAY UNIT 301 · same community
3 bd · 3.5 ba · 2,416 sqft · $373/sqft · 285 DOM
Sold · Jun ’26$285,000
10430 SE 159TH STREET · same community
3 bd · 2 ba · 1,632 sqft · $175/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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 12917 42ND TERRACE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12917 42ND TERRACE W — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12917 42ND TERRACE W FAQs
What would the monthly payment be for 12917 42ND TERRACE W?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $22,327/mo — principal and interest, the actual property-tax bill, the $333/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 12917 42ND TERRACE W?+
The association fee works out to $333 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12917 42ND TERRACE W?+
The most recent tax bill on record (2025) was $21,960. 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 12917 42ND TERRACE W?+
The listing reports pets: Cats OK, 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 $2,999,999, this home is listed about 150% above the Cortez median of $1,199,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12917 42ND TERRACE W?+
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 COLDWELL BANKER REALTY · Charles Buky. MLS #A4709317.
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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