4212 126TH STREET W, #409, Cortez, FL, 34215 | $529,000

Boaters—this is the one you’ve been waiting for! An unbeatable value in coveted Smugglers Landing, this top-floor waterfront 2BR/2BA condo includes your own 40’ sailboat-water dock—a rare find that lets you ditch the marina fees and step straight into the Florida boating lifestyle. Located in historic Cortez and just a few blocks from the award-winning beaches of Anna Maria Island, this residence puts the very best of coastal living right at your fingertips. Inside, you’ll love the bright, breezy floor plan with panoramic canal views, glowing sunsets, and even the occasional manatee drifting by. Start your mornings with coffee on the cozy front lanai and wind down in the evening in the Florida room, complete with upgraded power hurricane shutters for energy efficiency and peace of mind. And yes—this unit sustained no hurricane damage. The newly renovated gourmet kitchen is a showstopper, featuring sleek quartz counters, contemporary soft-close cabinetry, stainless steel appliances, a large workstation sink, LED lighting, ceramic tile, and a full pantry. The spacious primary suite offers serene water views, slider access, and an expanded walk-in closet with attic storage. The guest bedroom—currently used as a home office—is bright and generous in size. Both bathrooms have been tastefully updated with new plumbing and granite-topped vanities. Extra perks include floating living-room shelving, tube-style skylights, two under-building assigned parking spaces, private storage, and overhead kayak storage. Smugglers Landing delivers resort-style living with two heated pools, a hot tub, fitness room, clubhouse, pickleball/tennis, and a private sailboat-water canal. Walk to two popular waterfront restaurants and enjoy the assurance of an association that has already completed all state-required engineering studies. Your coastal dream lifestyle—and an exceptional boater’s bargain—awaits.

Features

  • Elevator: Y
  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 3
  • Amenities: Clubhouse, Elevator(s), Fitness Center, Maintenance, Pickleball Court(s), Pool, Spa/Hot Tub, Tennis Court(s)
  • Rooms: 6
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Complex: SMUGGLERS LANDING PH II
  • Year Built: 1989
  • Common Charge: $1,109 Monthly
  • Approx Sq. Feet: 1,224
  • Est. Taxes: $3,582
  • Lot Desc: FloodZone, In County, Landscaped, Level, Sidewalk
  • View: Pool, Trees/Woods, Water
  • Water Front: Yes
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Range, Refrigerator, Washer
  • MLS#: A4674564
  • Days on Market: 140 days
  • Website: https://www.raveis.com
    /prop/A4674564/4212126thstreetw_cortez_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/30/2026 7:47:07 AM)
Listing courtesy of BAYSHORE REALTY INC   Phone: 941-755-3701

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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4212 126TH STREET W, #409, Cortez, FL, 34215

$529,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $423,200 $423,200 $423,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $299 $299 $299
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,535 $2,640 $3,486
Total Monthly Payment $2,925 $3,030 $3,876

* 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.