4105 COMMODORE BOULEVARD, CORTEZ, FL, 34215
Active6 days on marketListed Nov 2, 2026MLS #A4711270
Come see it
Upcoming open house
Sun, Nov 8
12:00 PM – 2:00 PM
About this home
4105 COMMODORE BOULEVARD
Experience the best of the Florida coastal lifestyle in this exceptional home located within an exclusive maintenance free gated waterfront community, just 1 mile from the powdery sugar-sand beaches of Anna Maria Island. Offering the perfect blend of comfort, style, and boating convenience, this beautifully appointed residence is designed for enjoying the best of life on Florida's Gulf Coast. The thoughtfully designed open floor plan features three bedrooms, two bathrooms, a desirable split-bedroom layout, and soaring ceilings throughout, creating a bright, spacious atmosphere. Custom shelving in every closet adds both style and functionality, while solid concrete block construction provides lasting durability. A new tile roof installed in 2026 adds another valuable upgrade. Step outside to your own private retreat, where a heated saltwater pool and spa await. Enjoy effortless relaxation with convenient app-controlled heating, a massive screened-in lanai, and peaceful pond views that create the perfect backdrop for outdoor entertaining or quiet evenings at home. The pool was resurfaced approximately three years ago, and the pool equipment is approximately five years old. For boating enthusiasts, the lifestyle is truly exceptional. The property includes a deeded boat slip with a boat lift, just steps from the home, situated in deep water with no bridges between you and open water. Spend your days cruising the surrounding waterways, exploring the Gulf, or enjoying the beautiful beaches nearby. Ideally positioned at one of the highest elevations in the neighborhood, the home has experienced no prior flooding during past storms, offering additional peace of mind. Reclaimed water for irrigation provides an added practical benefit for maintaining the surrounding landscape. Whether you envision a full-time coastal residence, a seasonal escape, or a place to embrace the boating lifestyle year-round, this exceptional waterfront property delivers an enviable combination of location, thoughtful features, and Florida living at its finest.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,516
Sqft
0.36 ac
Lot size
2
Garage
1999
Year built
One
Levels
$554
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.
$10,689 /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
$10,689/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
+25.4%
$/sqft vs Cortez actives
$554 vs $753
Days on market
6 vs 69 typical
Where $554/sqft sits among the 20 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 Harbour Landings Estates
Drive times from this address
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
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)
7 of 20
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% above the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 4105 COMMODORE BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,150,000
12313 BAYPOINTE TERRACE · same community
3 bd · 3 ba · 2,535 sqft · $454/sqft · 133 DOM
Sold · Apr ’26$1,230,000
12334 BAYPOINTE TERRACE · same community
3 bd · 3.5 ba · 2,639 sqft · $466/sqft · 79 DOM
Sold · Jun ’26$1,650,000
12413 BAYPOINTE TERRACE · same community
3 bd · 3 ba · 3,000 sqft · $550/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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4105 COMMODORE BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4105 COMMODORE BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4105 COMMODORE BOULEVARD FAQs
What would the monthly payment be for 4105 COMMODORE BOULEVARD?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $10,689/mo — principal and interest, the actual property-tax bill, the $440/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 4105 COMMODORE BOULEVARD?+
The association fee works out to $440 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4105 COMMODORE BOULEVARD?+
The most recent tax bill on record (2025) was $9,443. 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 4105 COMMODORE BOULEVARD?+
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 $1,395,000, this home is listed about 16% 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 4105 COMMODORE BOULEVARD?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$1,395,000 runs 83% above the CORTEZ 34215 median — but at 2,516 sqft it's also 43% larger than the typical Cortez listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 6 days on market in a Cortez market that averages 69 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Karla Davidson. MLS #A4711270.
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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