4311 123RD STREET W, CORTEZ, FL, 34215
Pending16 days on marketListed Apr 27, 2026MLS #O6402798
About this home
4311 123RD STREET W
Short Sale. Ideal for an Investor or Owner occupant looking for the ultimate Beach life. Property is a 4 bedrooms, 2 baths less than 1 miles away from Bradenton Beach and Anne Marie Island!!. Open kitchen, Stainless steel appliances, comfortable Island, spacious living room, lots of natural light. Good size bedrooms, vinyl flooring throughout, screened patio overlooking the marina. Brand New Roof, Good A/C, New Washer and Dryer inside CarPort. Spacious yard with much potential for a pool or much more. Five minutes to the Island and all Anne Marie Island has to offer.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,570
Sqft
0.18 ac
Lot size
1974
Year built
One
Levels
$248
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.
$3,152 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,152/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−54%
$/sqft vs Cortez actives
$248 vs $753
Days on market
16 vs 69 typical
Where $248/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 Ciprianis
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Cortez. See the full Cortez guide →
Ciprianis — neighborhood snapshot
Population
94
Median age
63
Median income
$110,045
Median home value
$493,500
Avg household
2
Households w/ children
2%
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 20
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 49% below the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 4311 123RD STREET W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,800,000
2208 AVENUE A
3 bd · 3 ba · 1,572 sqft · $1,145/sqft · 75 DOM
Sold · Jun ’26$485,000
4527 103RD STREET W
3 bd · 2 ba · 1,559 sqft · $311/sqft · 5 DOM
Sold · Nov ’25$902,500
2703 AVENUE B
3 bd · 2 ba · 1,583 sqft · $570/sqft · 179 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 4311 123RD STREET W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4311 123RD STREET W — 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
4311 123RD STREET W FAQs
What would the monthly payment be for 4311 123RD STREET W?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,152/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 4311 123RD STREET W?+
The most recent tax bill on record (2024) was $1,716. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Cortez?+
At $389,900, this home is listed about 67% 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 4311 123RD STREET W?+
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 BLUE LIGHTHOUSE REALTY INC · Jorge Zea. MLS #O6402798.
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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