
4112 128TH STREET W UNIT 605, CORTEZ, FL, 34215
Active9 days on marketListed Oct 30, 2026MLS #A4711110
Come see it
Upcoming open house
Sun, Nov 8
12:00 PM – 3:00 PM
About this home
4112 128TH STREET W UNIT 605
Coastal waterfront living in the heart of historic Cortez Fishing Village! Turnkey furnished, with a deeded 40' boat slip! Experience the best of Florida's coastal boating lifestyle in this beautifully situated, top-floor end-unit residence at Smugglers Landing, a premier waterfront community nestled alongside the historic fishing village of Cortez. Rich in Old Florida charm and surrounded by the beauty of the Intracoastal Waterway, this is your opportunity to enjoy the boating lifestyle you've been dreaming of without the maintenance of a single-family waterfront home. Boaters will appreciate the NEW deeded boat slip, wide, deep-water canals accommodating sailboats and larger vessels, and quick access to Anna Maria Sound and the Gulf. The New docks were completed this year! The elevated buildings gives added peace of mind during storm season, while two assigned under-building parking spaces and an oversized private storage room provide plenty of convenience and flexibility for hobbies, fishing gear, or a workshop. Take the elevator to your private top-floor retreat, where an expansive screened front lanai welcomes you into a light-filled residence featuring soaring vaulted ceilings and an airy coastal feel. The spacious kitchen offers abundant cabinetry, generous counter space, and an extended breakfast bar that flows effortlessly into the living and dining areas. A full wet bar and beautiful waterfront views create the perfect setting for entertaining family and friends. The generously sized primary suite features custom built-ins, private access to the rear screened lanai, and an en-suite bath with thoughtful details, including under-cabinet lighting. Guests will appreciate the spacious second bedroom with convenient access to the second full bathroom. A versatile den or office provides additional living space, complete with a large slider opening to the front lanai and a convenient pass-through window to the kitchen. Two screened lanais extend your living space outdoors, offering the perfect places to enjoy morning coffee, dine alfresco, or unwind with the coastal breezes and peaceful waterfront views. Watch manatees play in the canals on calm days and enjoy spectacular Florida sunsets that paint the evening sky with postcard-worthy colors. Smugglers Landing offers an impressive collection of amenities, including two heated swimming pools, a spa, clubhouse, fitness center, tennis and pickleball courts, and elevator access. Just moments away, discover the authentic charm of Cortez Fishing Village, where generations of fishing heritage, waterfront seafood restaurants, fresh local seafood markets, and unique coastal shops create an atmosphere unlike anywhere else. You're also just a short distance from the beautiful beaches of Anna Maria Island. Whether you're looking for a full-time waterfront residence, a seasonal coastal escape, or the ultimate boating getaway, this exceptional top-floor end unit checks all the boxes. Deeded boating, deep water access, historic Old Florida charm, and resort style amenities come together to create the very best of coastal living. Your waterfront lifestyle awaits at Smugglers Landing.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,546
Sqft
0 ac
Lot size
2000
Year built
One
Levels
$375
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 — not generic estimates.
$4,600 /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
$4,600/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
+4.8%
$/sqft vs Cortez actives
$375 vs $753
Days on market
9 vs 69 typical
Where $375/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 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)
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 24% below the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 4112 128TH STREET W UNIT 605
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$549,000
3618 117TH STREET W
3 bd · 2 ba · 1,538 sqft · $357/sqft · 11 DOM
Sold · Jun ’26$1,050,000
1423 GULF DRIVE N
3 bd · 2.5 ba · 1,524 sqft · $689/sqft · 3 DOM
Sold · Feb ’26$955,000
1463 GULF DRIVE N UNIT 14
3 bd · 2.5 ba · 1,524 sqft · $627/sqft · 27 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4112 128TH STREET W UNIT 605 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4112 128TH STREET W UNIT 605 — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4112 128TH STREET W UNIT 605 FAQs
What would the monthly payment be for 4112 128TH STREET W UNIT 605?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,600/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 4112 128TH STREET W UNIT 605?+
The most recent tax bill on record (2025) was $6,866. 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 4112 128TH STREET W UNIT 605?+
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 $580,000, this home is listed about 52% 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 4112 128TH STREET W UNIT 605?+
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 RE/MAX ALLIANCE GROUP · Gregory Zies, LLC. MLS #A4711110.
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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