CENTURY 21 Edge
$12,0003 bd3.5 ba4,677 sqft$3 /sqft≈$259 /mo all-in ↓

12614 BAYPOINTE TERRACE, CORTEZ, FL, 34215

Active17 days on marketListed Oct 22, 2026MLS #A4709569

✦ Priced 98% below the CORTEZ 34215 medianWaterfrontPrivate poolSingle Family ResidenceHARBOUR LANDINGS ESTATES

About this home

12614 BAYPOINTE TERRACE

Offered as a turnkey furnished annual rental, this grand, custom-built home is located in the gated community of Harbour Landings Estates. Meticulously decorated and maintained, this exceptional property features numerous luxury appointments, including a formal living room and dining room with a wine refrigerator, a family room, and a gorgeous chef’s kitchen with a gas cooktop and multiple ovens. An office with quality built-ins and a spacious bonus room with a built-in bar provide additional space for work and entertaining. The laundry room is conveniently located on the main floor. Attention to detail is evident throughout, with custom-designed ceilings and beautiful tilework. Hurricane-resistant, clear-view glass provides sweeping views of the expansive outdoor living area, featuring a large covered outdoor kitchen, gas fireplace, and lanai. The screened, heated pool and spa are surrounded by a paver deck and feature a sun shelf, waterfall, and outdoor shower. The main floor offers three bedrooms, each with its own ensuite bathroom. The primary suite features a king-size bed and a spa-like private bathroom with a Jacuzzi tub and separate shower. Bedroom two offers a king-size bed, while bedroom three features a queen-size bed. Both bedrooms also have ensuite bathrooms. Accessible by stairs or elevator, the spacious, fully finished lower level offers additional living and entertainment space. Here, you’ll find a bonus room with a TV lounge area, a pool table, an additional bedroom with a king-size bed, a full bathroom, a fitness room, and a craft/storage area with access to the canal and boat dock. The three-car garage includes an EV charging station (220V NACS) and ample storage for all your active lifestyle essentials. This exceptional home offers everything you need to enjoy the Florida waterfront lifestyle, including an 80-foot dock with room to accommodate your boat. Cruise along the saltwater canal a short distance to Palma Sola Bay and onward to the Gulf of Mexico. Just over the Cortez Road bridge (State Road 70) are the beautiful beaches of Bradenton Beach and Anna Maria Island. The property is also conveniently located near IMG Academy, making it an ideal rental for IMG families. Pets may be considered at the owner’s discretion.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

4,677

Sqft

0.34 ac

Lot size

3

Garage

2007

Year built

Two

Levels

$3

Per sqft

Private poolWaterfrontWater viewTurnkey

Inside

FlooringCarpet · Ceramic Tile · Engineered Hardwood
AppliancesDishwasher · Disposal · Dryer · Ice Maker · Microwave · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Coffered Ceiling(s) · Eating Space In Kitchen · Elevator · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingElectric
FurnishedTurnkey

Outside & construction

ViewWater
ParkingGarage Door Opener · Golf Cart Garage · Ground Level · Oversized · Under Building
ExteriorIrrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Sliding Doors

Community & fees

PetsCats OK, Dogs OK
CommunityGated Community - No Guard

Utilities & systems

WaterPublic

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$259 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$82
FHA mortgage insurance (est.)$5
Est. property taxes (1.1%/yr)$11
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $420Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $420
Interest rate7.50%
Loan term

Estimated payment

$259/mo

Principal & interest$82
FHA mortgage insurance (est.)$5
Est. property taxes$11
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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

$3 vs $753

Days on market

17 vs 69 typical

Where $3/sqft sits among the 19 Cortez actives

2 · this home
5
1
7
3
1
$3–237$237–472$472–707$707–942$942–1176$1176+

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 Harbour Landings Estates

Drive times from this address

Downtown Tampa≈ 68 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 →

Harbour Landings Estates — neighborhood snapshot

Population

451

Median age

63

Median income

$110,045

Median home value

$493,500

Avg household

2

Households w/ children

9%

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 buyer — 9.7 months of inventoryBuyer’s market

$160K → $1.2M

Cortez median sold, yr/yr

94.1%

Sale-to-list ratio (12 mo)

5 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 98% below the CORTEZ 34215 median. See the full Cortez market guide →

Paper trail

This home's history

Oct 22, 2026Listed at $12,000 · 17 days on market since
2007Built · HARBOUR LANDINGS ESTATES

Reality check

What actually sold near 12614 BAYPOINTE TERRACE

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

12317 BAYPOINTE TERRACESold · Oct ’26

$1,200,000

12317 BAYPOINTE TERRACE · same community

4 bd · 3 ba · 3,047 sqft · $394/sqft · 0 DOM

12413 BAYPOINTE TERRACESold · Jun ’26

$1,650,000

12413 BAYPOINTE TERRACE · same community

3 bd · 3 ba · 3,000 sqft · $550/sqft · 0 DOM

12413 BAYPOINTE TERRACESold · Mar ’26

$1,300,000

12413 BAYPOINTE TERRACE · same community

3 bd · 3 ba · 3,000 sqft · $433/sqft · 8 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.

Pedro Ribeiro Gloria

Your agent

Pedro Ribeiro Gloria

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 12614 BAYPOINTE TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12614 BAYPOINTE TERRACE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

12614 BAYPOINTE TERRACE FAQs

What would the monthly payment be for 12614 BAYPOINTE TERRACE?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $259/mo — principal and interest, estimated property taxes 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.

Are pets allowed at 12614 BAYPOINTE TERRACE?+

The listing reports pets: Cats OK, Dogs OK. 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 $12,000, this home is listed about 99% 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 12614 BAYPOINTE TERRACE?+

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.

Listing courtesy of JENNETTE PROPERTIES, INC. · Catherine Foley. MLS #A4709569.

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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