CENTURY 21 Edge
$580,0002 bd2 ba1,546 sqft$375 /sqft≈$4,600 /mo all-in ↓

4112 128TH STREET W UNIT 605, CORTEZ, FL, 34215

Active9 days on marketListed Oct 30, 2026MLS #A4711110

✦ Priced 24% below the CORTEZ 34215 medianWaterfrontFully furnishedCondominiumSMUGGLERS LANDING PH III

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

WaterfrontWater viewFurnished

Inside

FlooringCarpet · Tile
AppliancesBar Fridge · Dishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Primary Bedroom Main Floor · Split Bedroom · Thermostat · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric
FurnishedFurnished

Outside & construction

RoofMembrane
ConstructionBlock · Concrete · Stucco
FoundationPillar/Post/Pier · Slab
ViewWater
FacesSoutheast
ParkingAssigned · Ground Level · Under Building
ExteriorHurricane Shutters · Sliding Doors

Community & fees

Taxes (2025)$6,866/yr
PetsCats OK, Dogs OK
CommunityClubhouse · Deed Restrictions · Golf Carts OK · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · 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.

$4,600 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$3,650
PMI (est., until 20% equity)$218
Property tax — 2025 actual bill$572
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $58,000Loan30-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% · $58,000
Interest rate7.50%
Loan term

Estimated payment

$4,600/mo

Principal & interest$3,650
PMI (est., until 20% equity)$218
Property taxes (actual bill)$572
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 $580K
$478KedgeAI estimate $553,451 · range $498K–$609K$633K

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

4
4 · 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 24% below the CORTEZ 34215 median. See the full Cortez market guide →

Paper trail

This home's history

Oct 30, 2026Listed at $580,000 · 9 days on market since
2000Built · SMUGGLERS LANDING PH III

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.

3618 117TH STREET WSold · Aug ’26

$549,000

3618 117TH STREET W

3 bd · 2 ba · 1,538 sqft · $357/sqft · 11 DOM

1423 GULF DRIVE NSold · Jun ’26

$1,050,000

1423 GULF DRIVE N

3 bd · 2.5 ba · 1,524 sqft · $689/sqft · 3 DOM

1463 GULF DRIVE N UNIT 14Sold · 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.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 4112 128TH STREET W UNIT 605 — start here.

Andrew Acosta

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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