3920 MARINERS WAY UNIT 311C, CORTEZ, FL, 34215
Active1 days on marketListed Nov 7, 2026MLS #A4711312
About this home
3920 MARINERS WAY UNIT 311C
MOTIVATED SELLER—ALL CONDO FEES FOR 2026 & 2027 PAID BY SELLER! Experience Florida living at its finest in this turnkey, fully furnished, first-floor end/corner unit in the gated, waterfront community of Mariner's Cove. This exquisite home offers breathtaking, panoramic views of the Intracoastal Waterway and Palma Sola Bay right from your spacious living and dining areas. Beautiful bamboo wood floors flow through the main living spaces and into the third bedroom. Perfect for entertaining, the main living area features a convenient dry bar complete with a built-in wine refrigerator. Cook in the beautifully renovated kitchen, featuring granite countertops, wood cabinetry, and a cozy eat-in area overlooking the sparkling water. Premium hurricane windows and shutters provide ultimate peace of mind. Retreat to the generous primary suite, where sliders open to a massive, fully air-conditioned lanai—the perfect private oasis to enjoy the outdoors year-round. The en-suite primary bathroom boasts a soaking tub, separate shower, and an expansive walk-in closet. Boaters will love the private 35-ft. boat dock equipped with a 10,000-lb. lift, electricity, and water, providing quick, unobstructed access to the Gulf of Mexico. This resort-style community includes two heated pools, a heated spa, tennis, and pickleball courts. Complete with two underground parking spots, a private storage unit, and dedicated kayak storage, enjoying the ultimate coastal lifestyle has never been easier!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,597
Sqft
4.37 ac
Lot size
1984
Year built
One
Levels
$308
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.
$6,253 /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
$6,253/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
+21.5%
$/sqft vs Cortez actives
$308 vs $717
Days on market
1 vs 69 typical
Where $308/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 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)
9 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 5% above the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 3920 MARINERS WAY UNIT 311C
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,230,000
12334 BAYPOINTE TERRACE
3 bd · 3.5 ba · 2,639 sqft · $466/sqft · 79 DOM
Sold · Jun ’26$1,150,000
12313 BAYPOINTE TERRACE
3 bd · 3 ba · 2,535 sqft · $454/sqft · 133 DOM
Sold · Jun ’26$725,000
12518 HARBOUR LANDINGS DRIVE
3 bd · 2 ba · 2,361 sqft · $307/sqft · 169 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 3920 MARINERS WAY UNIT 311C — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3920 MARINERS WAY UNIT 311C — 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
3920 MARINERS WAY UNIT 311C FAQs
What would the monthly payment be for 3920 MARINERS WAY UNIT 311C?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,253/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 3920 MARINERS WAY UNIT 311C?+
The most recent tax bill on record (2024) was $9,184. 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 3920 MARINERS WAY UNIT 311C?+
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 $799,000, this home is listed about 33% 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 3920 MARINERS WAY UNIT 311C?+
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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Susie Robinson. MLS #A4711312.
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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