CENTURY 21 Edge
$700,0002 bd2 ba1,762 sqft$397 /sqft≈$5,510 /mo all-in ↓

3860 MARINERS WAY UNIT 413A, CORTEZ, FL, 34215

Active9 days on marketListed Oct 30, 2026MLS #A4711052

✦ Priced 8% below the CORTEZ 34215 medianWaterfrontCondominiumMARINERS COVE I

About this home

3860 MARINERS WAY UNIT 413A

Auction Property. Luxury Live Auction! Bidding to start from $700,000.00! Experience waterfront living redefined in this unparalleled condominium at Mariners Cove, where luxury meets coastal living in this exclusive gated community on the shoreline of Anna Maria Sound. Enter into a world of luxury, where the owners have meticulously crafted a completely redesigned floor plan, transforming this two-bedroom, two-bath residence into a masterpiece of modern elegance. The interior boasts light oak engineered hardwood flooring throughout the kitchen, living, dining and primary bedroom, providing warmth and sophistication. The living room is adorned with a fireplace and floor-to-ceiling glass sliders that seamlessly connect indoor and outdoor spaces. With 9-foot ceilings and hurricane windows and glass sliders, this residence exudes a bright and open ambiance. Immerse yourself in the mesmerizing waterfront views from the expansive screened lanai with a desired northwest exposure. One of the rare gems of this property is the large, deep front patio, a feature found in only one of two residences in the community. The beautifully updated kitchen is a culinary haven and complements the overall modern design, featuring a mosaic backsplash with upgraded contemporary cabinetry, quartz countertops and stainless steel appliances. As you enter the owner's bedroom, you are greeted by breathtaking views of the waterfront surroundings with a private entrance to the balcony. The en-suite bath features a stylish vanity with dual sinks and provides convenience and elegance, while the walk-in shower and separate soaking tub offer a spa-like escape in the comforts of your home. The heated porcelain tile floors underfoot add a touch of warmth and sophistication. This elegant detail extends into both baths, creating a seamless flow of luxurious features throughout. For boating enthusiasts, this condominium goes above and beyond with the inclusion of a 42-by-20-foot boat slip, complete with a power pedestal. Ideally situated, boaters have direct access to the ICW of Anna Maria Sound opening southward to Sarasota Bay, northward to Tampa Bay and the encompassing gulf waters. Updates and enhancements abound, including a recently replaced air conditioner and hot water tank in 2019. Practical features include a laundry room, two storage sheds in the under-building parking area and two under-building parking spaces. Mariner's Cove is an upscale, gated community in quaint Cortez. There are three protected canals, two heated pools, one tennis court, two pickleball courts and beautifully manicured landscaped grounds. This community is just one mile from Anna Maria Island and beaches of the Gulf of Mexico. Cortez village offers fresh seafood in quaint dockside restaurants, charter boat and jet ski rentals, parasailing and charming shops. Immerse yourself in the allure of this uniquely redesigned waterfront haven, where every detail has been carefully curated to create a living experience that is extraordinary and unmistakably refined.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,762

Sqft

0 ac

Lot size

1984

Year built

One

Levels

$397

Per sqft

WaterfrontFireplaceWater viewPets allowed

Inside

FlooringEngineered Hardwood · Tile
AppliancesDisposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer
InteriorLiving Room/Dining Room Combo · Open Floorplan · Split Bedroom · Stone Counters
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · HardiPlank Type · Stucco · Wood Frame
FoundationPillar/Post/Pier
ViewWater
FacesSoutheast
ParkingGround Level · Reserved · Under Building
ExteriorBalcony · Sliding Doors

Community & fees

Taxes (2025)$8,188/yr
PetsYes
CommunityBay/Harbor Front · Boat Slip · Dock · Fishing · Intracoastal Waterway · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Community Mailbox · Deed Restrictions · Gated Community - Guard · Pool · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,510 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$4,405
PMI (est., until 20% equity)$263
Property tax — 2025 actual bill$682
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $70,000Loan30-yr fixed at 7.5%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% · $70,000
Interest rate7.50%
Loan term

Estimated payment

$5,510/mo

Principal & interest$4,405
PMI (est., until 20% equity)$263
Property taxes (actual bill)$682
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.

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.

List $700K
$344KedgeAI estimate $398,670 · range $359K–$437K$728K

vs edgeAI estimate

+75.6%

$/sqft vs Cortez actives

$397 vs $753

Days on market

9 vs 69 typical

Where $397/sqft sits among the 19 Cortez actives

5
3 · this home
4
3
3
1
$151–361$361–571$571–781$781–991$991–1201$1201+

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

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 →

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

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)

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 8% below the CORTEZ 34215 median. See the full Cortez market guide →

Paper trail

This home's history

Oct 30, 2026Listed at $700,000 · 9 days on market since
1984Built · MARINERS COVE I

Reality check

What actually sold near 3860 MARINERS WAY UNIT 413A

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

3909 117TH STREET WSold · Jul ’26

$410,000

3909 117TH STREET W

3 bd · 2 ba · 1,774 sqft · $231/sqft · 1 DOM

108 9TH ST N UNIT 1Sold · Oct ’26

$1,137,500

108 9TH ST N UNIT 1

2 bd · 3 ba · 1,696 sqft · $671/sqft · 3 DOM

4305 MARINA VIEW WAYSold · Apr ’26

$1,610,000

4305 MARINA VIEW WAY

3 bd · 2.5 ba · 1,683 sqft · $957/sqft · 22 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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3860 MARINERS WAY UNIT 413A — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3860 MARINERS WAY UNIT 413A — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

3860 MARINERS WAY UNIT 413A FAQs

What would the monthly payment be for 3860 MARINERS WAY UNIT 413A?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,510/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 3860 MARINERS WAY UNIT 413A?+

The most recent tax bill on record (2025) was $8,188. 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 3860 MARINERS WAY UNIT 413A?+

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 $700,000, this home is listed about 42% 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 3860 MARINERS WAY UNIT 413A?+

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 PREMIER SOTHEBY'S INTERNATIONAL REALTY · Kevin Milner. MLS #A4711052.

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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3860 Mariners Way Unit 413A, Cortez, FL — 2 Bed 2 Bath for Sale