82 CORTEZ Avenue, Out of Area, FL, 32080 | $1,379,000

Welcome to 82 Cortez within Cortez on the Water - an exclusive enclave of 30 luxury waterfront residences nestled on Anastasia Island along the Intracoastal Waterway. Capturing sweeping views of the Intracoastal, Salt Run, the iconic St. Augustine Lighthouse, and the downtown skyline, this beautifully appointed Sailfish floor plan is perfectly positioned just minutes from historic downtown, Anastasia State Park, and the area's most celebrated coastal destinations.

This 2, 867 sq ft three-story residence includes a private in-unit elevator, deeded boat slip with direct deep water access, and an oversized two-car garage with sleek epoxy-coated flooring for a clean, polished finish. A grand, wide-plank staircase with flared entry design creates an impressive sense of arrival, while the paverstone driveway enhances the home's timeless curb appeal.

The first floor offers a private guest suite or flexible entertainment space pre-plumbed for a wet bar (optional upgrade), a stylish full bath, a dedicated laundry room, and direct access to a covered patio with tranquil marina and water views. On the second floor, the spacious primary suite is a serene retreat, featuring a spa-inspired oversized bath, a customized walk-in closet, and a private covered balcony overlooking a tranquil pond with views of the Intracoastal beyond. Two additional bedrooms and a full bath complete this level. The third floor showcases a bright, fully open floor plan thoughtfully designed for effortless entertaining and everyday living. The gourmet kitchen features a striking waterfall-edge quartz island with a shiplap design and abundant storage, sleek countertops, an upgraded refrigerator, designer cabinetry, and a stainless steel chef-grade gas cooktop with an upgraded hood vent. The kitchen backsplash and spa-inspired bathrooms carry the luxury coastal modern design throughout the home. Wide-plank wood flooring extends throughout the residence, while the spa-inspired primary bath features large-format ceramic tile in warm grey and cream tones that cascades seamlessly into the oversized shower. A casual dining nook off the kitchen opens to a private balcony with expansive views of the surrounding coastal landscape. The open dining area transitions seamlessly into the spacious living room, which extends onto a second covered balcony overlooking the marina and Intracoastal. From the front windows, enjoy incredible views of the historic St. Augustine Lighthouse. Additional features include a tankless water heater and pre-plumbing for a water softener in the garage. Stylish details and modern finishes enhance the residence's refined coastal character. Enjoy resort-style amenities including a waterfront heated pool, hot tub, private marina access, and a covered poolside lanai featuring ample counter space for serving and an island with bar seatingperfect for effortless outdoor entertaining. Cortez on the Water offers timeless design, exceptional craftsmanship, and the best of coastal St. Augustine living. ***Select builder upgrades still available

Features

  • Parking: Attached, Garage
  • Heating: Central, Electric
  • Cooling: Central Air, Electric
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Laundry: Electric Dryer Hookup, Washer Hookup
  • Complex: Cortez on the Water
  • Year Built: 2025
  • Common Charge: $3,827 Quarterly
  • Approx Sq. Feet: 2,867
  • Water Front: Yes
  • Elem. School: R.b. Hunt
  • Middle School: Sebastian
  • High School: St. Augustine
  • Appliances: Other, Dishwasher, Disposal, Gas Range, Microwave, Refrigerator, Tankless Water Heater
  • MLS#: 2096370
  • Days on Market: 175 days
  • Website: https://www.raveis.com
    /prop/2096370/82cortezavenue_outofarea_fl?source=qrflyer
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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

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82 CORTEZ Avenue, Out of Area, FL, 32080

$1,379,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,103,200 $1,103,200 $1,103,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.000% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.353% 6.121% 6.038%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,351 $6,614 $9,235
Total Monthly Payment $6,476 $6,739 $9,360

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.