4204 126TH STREET W UNIT 502, CORTEZ, FL, 34215
Active3 days on marketListed Nov 5, 2026MLS #O6455265
About this home
4204 126TH STREET W UNIT 502
Escape Winter in Paradise – Spectacular Waterfront Seasonal Condo Near Anna Maria Island Trade cold winter weather for sunshine, warm Gulf breezes, and beautiful beach days in this renovated 2-bedroom, 2-bath waterfront condo in historic Cortez, Florida. Available for seasonal rentals with a **minimum three-month stay**, it’s the perfect winter retreat for snowbirds looking to relax and enjoy Florida’s coastal lifestyle. Located less than a half a mile from the sandy beaches of Anna Maria Island and Bradenton Beach, the condo offers a bright, open layout, stylish modern finishes, and peaceful water views. Start your morning with coffee on the private balcony, spend the afternoon at the beach or community pool, and return home to enjoy a colorful Florida sunset. Boaters will love the optional (on request) private boat slip, accommodating vessels up to 40 feet and equipped with shore power, perfect for fishing, cruising, and exploring the surrounding islands and waterways. Additional features include Two spacious bedrooms and two full bathrooms, Private waterfront balcony, Community pool and sun deck, Private boat slip with shore power, Two covered parking spaces, Private storage room, Convenient access to waterfront restaurants, shopping, boating, and recreation, Less than a mile from the Gulf beaches Settle in for the season and enjoy everything that makes Florida winters so special: sunshine, beaches, boating, fresh seafood, and a relaxed island atmosphere. Available October 1st for a minimum three-month rental. Contact us today for availability, seasonal rates, and a private showing.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,304
Sqft
0 ac
Lot size
1987
Year built
One
Levels
$4
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$201 /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
$201/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Cortez actives
$4 vs $717
Days on market
3 vs 69 typical
Where $4/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)
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 99% below the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 4204 126TH STREET W UNIT 502
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$725,000
108 9TH STREET S UNIT E
2 bd · 2 ba · 1,326 sqft · $547/sqft · 36 DOM
Sold · Sep ’26$675,000
1007 GULF DRIVE N UNIT 208
2 bd · 2.5 ba · 1,349 sqft · $500/sqft · 67 DOM
Sold · May ’26$720,000
1007 GULF DRIVE N UNIT 213
2 bd · 2.5 ba · 1,259 sqft · $572/sqft · 157 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
Emanuel Marin Maldonado
Real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4204 126TH STREET W UNIT 502 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4204 126TH STREET W UNIT 502 — before you fall in love.
See it in person
Schedule a tour
Live availability from Emanuel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4204 126TH STREET W UNIT 502 FAQs
What would the monthly payment be for 4204 126TH STREET W UNIT 502?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $201/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4204 126TH STREET W UNIT 502?+
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 $4,990, this home is listed about 100% 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 4204 126TH STREET W UNIT 502?+
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
01Under the CORTEZ 34215 market on paper
$4,990 is 99% below the CORTEZ 34215 median of $762,000, and at $4/sqft it sits under the Cortez average of $621.
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 3 days on market in a Cortez market that averages 69 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Jaime Leizan. MLS #O6455265.
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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